Long-time lurker, infrequent poster, so let me open with a disclaimer about how worthless my points probably are.... I'm just a regular layman, IANAPT (I am not a professional theologian)
but from what I can see, Romans 4 doesn't seem to agree that belief results in "wages" owed as you contend above. It differentiates between works that require wages (debt owed) and belief.
Romans 4:4 speaks of "not reckoned of grace but of debt" talking about wages...something owed for work done.
Verse 5: Belief is not works. Don't do works, but rather believe. Your faith because of your belief will be counted for righteousness since you "worketh not but believeth on Him".
It all seems to clearly say that works and belief are different and that belief does not incur obligation on God's part as if it were some kind of "work" we had done.
(Rom 4:2) For if Abraham were justified by works, he hath whereof to glory; but not before God.
(Rom 4:3) For what saith the scripture? Abraham believed God, and it was counted unto him for righteousness.
(Rom 4:4) Now to him that worketh is the reward not reckoned of grace, but of debt.
(Rom 4:5) But to him that worketh not, but believeth on him that justifieth the ungodly, his faith is counted for righteousness.