What is a Contract?
A Contract is a Legal and Binding agreement with a set of terms and conditions.
Contracts are often used to regulate money, such as when you buy a house or a car.
The Contract to buy a House usually states how much Money will be paid each month, and the number of months it will take until all payment is completed.
This means that as long as you are paying off the house, you are in Debt to whoever you signed that Contract with.
The Lender is willing to pay for the House as long as you do whatever is part of the Contract.
You agree to their terms by Signing the Contract, and in return receive the House.
With Baptism it works much the same way. We agree to take Christ's name upon us, to represent Him at all times, and keep His commandments.
He agrees to give us blessings, and the Gift of the Holy Ghost.
If we simply skip several payments, we would lose the house. If we are not being obedient and keeping the commandments, we will lose those blessings and the companionship of the Holy Ghost.
Contracts are written out by someone who has the authority to do so. Baptism must also be performed by someone holding the Priesthood and be Authorized to do so.
Until we are done paying for the house we are technically under bondage to our Contract.
Christ has already paid the price for out sins, and we will not be able to truly repay Him. But He is willing to forgive all of our debts if we are obedient, and He will make our burdens light and deliver us from bondage.
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