The burden is compounded when we recognize that Scripture considers the phrase "faith alone" to have the utmost importance, since it uses it in one very crucial place - - the very place it decides that it is appropriate to nullify the concept that Justification is by faith alone -- James 2:24. In fact, not only does Scripture nullify "faith alone" as justifying, it reinforces its nullity by prefacing it with the clause, "You see, a man is justified by works" prior to adding "and not by faith alone."
Now, the way Dr. Horton tries to dismiss the fact that Paul refrained from using "faith alone" is to say that when Paul condemns justification by works, we are to interpret this to mean that Paul believed in faith alone for Justification. This may seem plausible to him, but it is quite wrong. Condemning works does not automatically mean faith is alone. There are other things that could be added to faith that are not considered works, and thus faith would not be alone. In fact, Paul condemned only one kind of work. He called them works of DEBT (Romans 3:28-4:4). How do we know there is a distinction? Because in the previous chapter Paul says that those who do good works will receive eternal life (Romans 2:6-7) and that those who obey the Law will be justified (Romans 2:13).