The other is that Luther and the whole Reformation, even Zwingli, emphasized infant baptism, namely that baptism is the symbol of the prevenient grace of God and not dependent on the subjective reaction. Of course, the subjective reaction of the infants is either not possible or, as Luther and Calvin believed, a Divine miracle.

But that is not decisive. The decisive thing is that God starts, and that before we answer much can happen; that the time difference between the indefinite moment of maturity and the definite moment of baptism doesn’t mean anything in the sight of God. Baptism is the Divine offer of forgiveness, and to this we always can come back. But adult baptism emphasizes the objective participation, the ability of the mature man to decide. Here you have again the difference.