What occurred to me was that Mother Church has no concept of imputation of Christ's righteousness to the sinner. What she has is not imputation, but impartation. For her, God does not impute anything to us, specially not that of the righteousness of Christ. God imparts, rather than imputes, so the position goes. For her, by virtue of Christ's atonement, God imparts grace to the sinner by which the sinner may be justified. In other words, for Mother Church, nothing is finished, there are things left to be be done by the sinner. "It is not finished".
I do not think it is caricature to say that such a position is "salvation by grace through works", besides they deny JBFA anytime anywhere anyway, so it is no mis-characterization.
The idea of impartation is humanly appealing and even in Concordia land, I had to stop when I get to Apology IV, 72.
Accordingly we wish first to show this, that faith alone makes of an unjust, a just man, i.e., receives remission of sins.
The critical word is "makes", and some, like me, might misconstrue this as teaching that sin's presence is abolished rather than forgiven. But this was not what Melanchton meant by the word "make". What he meant was that the unjust man is made righteous by imputation of the righteousness of Christ, not by impartation of grace to achieve righteousness.
Then there is another angle on imputation that bothers me a lot. My former Pentecostal pastors and teachers spoke often of "impartation", too. They spoke of "impartation of the Spirit" as a matter of habit. The remarkable thing is that they are anti-Roman, yet they talk and take similar concepts/ teachings from Rome. Little do they realize that what their tongues deny, they affirm in their beliefs and practice....They don't seem to care or bother about that.