I didn't want to interject too much, but the baptismal regeneration position is not only unscriptural, but illogical, as well. So, every baptized infant is automatically regenerated, but it is quite evident that every such infant does not come to faith. Why? Does God then regenerate baptized infants knowing that He will not draw all of them to faith? So He gives all of them spiritual rebirth by the incantation of a formula and a physical ritual, but withholds faith from some of them? What you have here then is many baptized infants who are spiritually reborn but not saved -- an impossibility. So, both scripture and reason destroy baptismal regeneration.
The reason, brother that it doesn't make sense to you is that you believe in the doctrine of "eternal security". So by your thinking, if God gives someone the free gift of salvation, then that person has a free ticket into heaven no matter what. If he lives like the devil, shakes his fist in God's face, and even curses God, he is still saved, he is still going to go to heaven when he dies.
Lutherans don't believe this. We believe that the Christian who's faith is in Christ never has to worry about losing his salvation. We also do not believe, unlike our Roman Catholic brothers and sisters, that good works help in your salvation, or a lack of enough good works dooms you to hell.
The Christian who's faith is in Christ can be fully confident of salvation and of his eternal security. He doesn't need to worry about whether or not he has done enough good works to get into heaven, because salvation was a free gift. You don't have to do ANYTHING to receive a truly free gift, and that includes baptism!
God chooses when to save us, not us. With me, He chose to save me when I was nine years old. I placed my faith in Christ. But I did so, not because I made a free will decision as a sinner to believe, I did so, because God had predestined me before the world began to be his child. I was later baptized (in a baptist church). Lutherans believe I was saved when I believed, not later when I was baptized.
However, with other people, we believe God can save them at the time of their infant baptism, as children of Christians, to whom God gave the promise of salvation in Acts 2:38. Again, it is God who saves. It is God who accomplishes all the action in salvation. It is not part you and part God. So if God wants to save someone as an infant, He, as the Almighty ruler of Universe can do as he pleases. We believe that the Bible says that God also saves at the time of baptism by the power of his Word, not by anything the minister says, or anything magical about the water.
If you have been predistined, God already has decided to save you. He doesn't have to wait for you to have enough maturity and intellect so that you can make a decision to believe. He chose you. You WILL be saved. So he can save you when he wants.
Now, a child of Christian parents, who is baptized, needs to be nourished with the Word as he/she grows up, or as a seed cast on poor ground, it will sprout up, but then wither and die. Lutherans believe that a Christian can lose his salvation, not by not doing enough good works, but by rejecting God, turning from God, and living a deliberate life of sin.
Why do we believe this? Because of these verses: Heb. 6:4-6, Gal. 5:1-5, heb. 10:26, Rom. 11:17-22, Rev. 22:19, I Cor. 6:9, Heb. 3:6-14, II Peter 2:20-22
Just because someone was baptized as an infant is not an automatic ticket into heaven. Faith has to be nourished or it will die. Any Lutheran or other orthodox Christian who tells you that he has an automatic ticket into heaven just because he was baptized, he can live like Satan himself, but will still sneak into the pearly gates, is very mistaken. He may well wake up in hell!
Growing up Baptist, I saw several people who went forward during an altar call, prayed the Sinner's Prayer, and were "born again", and years later committed terrible crimes: murder, child molestation, etc.. I know of other "born again" Christians who have completely left the church, do not pray, and are not really sure they believe in God. I know one born-again Baptist who converted to be a Muslim to marry her husband. Are these people really going to get into heaven just because they have their "Born Again, Keep-out-of-Hell Free" card?
I know what some Baptists will say, "Well, obviously those people were not saved to begin with!" How can you know for sure?
By the way, Lutherans agree with Calvinists on Predestination for the Elect. We strongly disagree with the Calvinist idea of "Double Predestination" which says that God chooses who will go to heaven and who will go to hell.
Lutherans believe that God chooses who will go to heaven, and Man sends himself to hell.
Not logical? Who said God has to be logical?