And in the case of
Romans 4:22, most of us just simply interpret this as meaning that God "accounted" it to him . . . attributed, credited, counted it, regarded, or reckoned it to Abraham as righteousness. Not necessarily seen as a mystical transaction of God's righteousness into Abraham.
I mean, that is as far as
Romans 4:22 is concerned, and not that in other places there is not some kind of understanding that God imputes something mystical to us in Salvation. I personally believe that through the mystery of imitation, the merits of Messiah's life, death, resurrection and ascension are attributed to us in a mystical way by the Holy Ghost in us, and that this can be understood as a kind of "imputation". And since HE is righteous, HIS dwelling in us brings that Righteousness to us as well. And in that way, Righteousness can be imputed to us. Just, I don't think that is what Paul is saying in
Romans 4:22.