Nevertheless, there are some people who are incapable of examining themselves: for example, children and young men and women before they reach the age at which they can reflect upon themselves; simple people who lack the ability to reflect; all who have no fear of God; some who have a mental or physical illness; and also people who, entrenched in the teaching that justification comes solely through the faith that assigns us Christ’s merit, have convinced themselves that if they practiced self-examination and repentance something of their own selves might intrude that would ruin their faith and divert or redirect their salvation from its sole focus.
For the types of people just listed, an oral confession is of benefit, although it is not the same as practicing repentance.
People who know what sin is and especially those who know a lot about it from the Word and who teach about it, but who do not examine themselves and therefore see no sin within themselves, can be compared to people who scrape and save money, only to put it away in boxes and containers and make no other use of it than looking at it and counting it. They are like people who collect pieces of gold and silver jewelry and keep them in a safe in a storage room for no other purpose than to own them. . . .
from Regeneration, Pages 30, 31