Reply to Objection 3: Unbelief, in so far as it is a sin, arises from pride, through which man is unwilling to subject his intellect to the rules of faith, and to the sound interpretation of the Fathers. Hence Gregory says (Moral. xxxi, 45) that "presumptuous innovations arise from vainglory."
It might also be replied that just as the theological virtues are not reduced to the cardinal virtues, but precede them, so too, the vices opposed to the theological virtues are not reduced to the capital vices.
Whether unbelief is in the intellect as its subject?
Objection 1: It would seem that unbelief is not in the intellect as its subject. For every sin is in the will, according to Augustine (De Duabus Anim. x, xi). Now unbelief is a sin, as stated above (A[1]). Therefore unbelief resides in the will and not in the intellect.
Objection 2: Further, unbelief is sinful through contempt of the preaching of the faith. But contempt pertains to the will. Therefore unbelief is in the will.
Objection 3: Further, a gloss [*Augustine, Enchiridion lx.] on 2 Cor. 11:14 "Satan . . . transformeth himself into an angel of light," says that if "a wicked angel pretend to be a good angel, and be taken for a good angel, it is not a dangerous or an unhealthy error, if he does or says what is becoming to a good angel." This seems to be because of the rectitude of the will of the man who adheres to the angel, since his intention is to adhere to a good angel. Therefore the sin of unbelief seems to consist entirely in a perverse will: and, consequently, it does not reside in the intellect.
On the contrary, Things which are contrary to one another are in the same subject. Now faith, to which unbelief is opposed, resides in the intellect. Therefore unbelief also is in the intellect.
I answer that, As stated above (FS, Q[74], AA[1],2), sin is said to be in the power which is the principle of the sinful act. Now a sinful act may have two principles: one is its first and universal principle, which commands all acts of sin; and this is the will, because every sin is voluntary. The other principle of the sinful act is the proper and proximate principle which elicits the sinful act: thus the concupiscible is the principle of gluttony and lust, wherefore these sins are said to be in the concupiscible. Now dissent, which is the act proper to unbelief, is an act of the intellect, moved, however, by the will, just as assent is.
Therefore unbelief, like faith, is in the intellect as its proximate subject. But it is in the will as its first moving principle, in which way every sin is said to be in the will.
Hence the Reply to the First Objection is clear.
Reply to Objection 2: The will's contempt causes the intellect's dissent, which completes the notion of unbelief. Hence the cause of unbelief is in the will, while unbelief itself is in the intellect.
Reply to Objection 3: He that believes a wicked angel to be a good one, does not dissent from a matter of faith, because "his bodily senses are deceived, while his mind does not depart from a true and right judgment" as the gloss observes [*Augustine, Enchiridion lx]. But, according to the same authority, to adhere to Satan when he begins to invite one to his abode, i.e. wickedness and error, is not without sin.
Whether unbelief is the greatest of sin?
Objection 1: It would seem that unbelief is not the greatest of sins. For Augustine says (De Bapt. contra Donat. iv, 20): "I should hesitate to decide whether a very wicked Catholic ought to be preferred to a heretic, in whose life one finds nothing reprehensible beyond the fact that he is a heretic." But a heretic is an unbeliever. Therefore we ought not to say absolutely that unbelief is the greatest of sins.
Objection 2: Further, that which diminishes or excuses a sin is not, seemingly, the greatest of sins. Now unbelief excuses or diminishes sin: for the Apostle says ( 1 Tim. 1:12 , 13 ): "I . . . before was a blasphemer, and a persecutor and contumelious; but I obtained . . . mercy . . . because I did it ignorantly in unbelief." Therefore unbelief is not the greatest of sins.
Objection 3: Further, the greater sin deserves the greater punishment, according to Dt. 25:2 : "According to the measure of the sin shall the measure also of the stripes be." Now a greater punishment is due to believers than to unbelievers, according to Heb. 10:29 : "How much more, do you think, he deserveth worse punishments, who hath trodden under foot the Son of God, and hath esteemed the blood of the testament unclean, by which he was sanctified?" Therefore unbelief is not the greatest of sins.
On the contrary, Augustine, commenting on Jn. 15:22, "If I had not come, and spoken to them, they would not have sin," says (Tract. lxxxix in Joan.): "Under the general name, He refers to a singularly great sin. For this," viz. infidelity, "is the sin to which all others may be traced." Therefore unbelief is the greatest of sins.
I answer that, Every sin consists formally in aversion from God, as stated above (FS, Q[71], A[6]; FS, Q[73], A[3]). Hence the more a sin severs man from God, the graver it is. Now man is more than ever separated from God by unbelief, because he has not even true knowledge of God: and by false knowledge of God, man does not approach Him, but is severed from Him.
Nor is it possible for one who has a false opinion of God, to know Him in any way at all, because the object of his opinion is not God. Therefore it is clear that the sin of unbelief is greater than any sin that occurs in the perversion of morals. This does not apply to the sins that are opposed to the theological virtues, as we shall stated further on (Q[20], A[3]; Q[34], A[2], ad 2; Q[39], A[2], ad 3).
Reply to Objection 1: Nothing hinders a sin that is more grave in its genus from being less grave in respect of some circumstances. Hence Augustine hesitated to decide between a bad Catholic, and a heretic not sinning otherwise, because although the heretic's sin is more grave generically, it can be lessened by a circumstance, and conversely the sin of the Catholic can, by some circumstance, be aggravated.
Reply to Objection 2: Unbelief includes both ignorance, as an accessory thereto, and resistance to matters of faith, and in the latter respect it is a most grave sin. In respect, however, of this ignorance, it has a certain reason for excuse, especially when a man sins not from malice, as was the case with the Apostle.
Reply to Objection 3: An unbeliever is more severely punished for his sin of unbelief than another sinner is for any sin whatever, if we consider the kind of sin. But in the case of another sin, e.g. adultery, committed by a believer, and by an unbeliever, the believer, other things being equal, sins more gravely than the unbeliever, both on account of his knowledge of the truth through faith, and on account of the sacraments of faith with which he has been satiated, and which he insults by committing sin.
Whether every act of an unbeliever is a sin?
Objection 1: It would seem that each act of an unbeliever is a sin. Because a gloss on Rom. 14:23, "All that is not of faith is sin," says: "The whole life of unbelievers is a sin." Now the life of unbelievers consists of their actions. Therefore every action of an unbeliever is a sin.
Objection 2: Further, faith directs the intention. Now there can be no good save what comes from a right intention. Therefore, among unbelievers, no action can be good.