527. Yet there are some who cannot examine themselves, such as infants, boys and girls before they arrive at the age when they are capable of self-examination, also the simple minded, who are not capable of reflection; and again, all those who have no fear of God, and beside these some who are sick in mind and body; and above all those who are confirmed in the doctrine of justification by faith alone, which imputes Christ's merit to man, and who have persuaded themselves, that by such examination and repentance something of man would enter, which would destroy faith, and thus would banish and reject salvation from its one only abiding-place. To all such a mere lip-confession is serviceable. That this is not repentance has been shown above in this chapter.  But those who know what sin is, and still more those who know many things from the Word and teach them, and yet do not examine themselves, and consequently see no sin in themselves, may be likened to those who scrape up wealth and lay it up in chests and coffers, making no further use of it than to look at it and count it; also to those who gather into their treasuries jewels of gold and silver, or hide them in vaults, for the mere sake of being rich.
Such are like the trader who hid his talent in the earth, and like him who hid his pound in a napkin (Matt. 25:25; Luke 19:20).
They are also like the hard wayside and the stony places upon which the seed fell (Matt. 13:4, 5).
Also like fig trees full of leaves but bearing no fruit (Mark 11:13).
They are the hearts of adamant, which do not become hearts of flesh (Zech. 7:12).
They are like the partridges which gather and bring not forth; they get riches, but not with judgment; they leave them in the midst of their days, and at their end become fools (Jer. 17:11).
They are like the five virgins who had lamps but no oil (Matt. 25:1-12).
 Those who acquire from the Word much about charity and repentance, and who have abundant knowledge of its teachings, and yet do not live in accordance therewith, may be compared to gluttons, who stuff their food into their mouths in chunks, and swallow it without chewing, so that it remains undigested in the stomach, and when it passes out vitiates the chyle, and brings on lingering diseases, from which they finally die a miserable death. And as such are without spiritual heat, however much light they may possess, they may be called winters, frozen grounds, arctic climates, and even fields of snow and ice.