Here's where we disagree.
You think faith is yours and you invoke it by your willpower.
I think Jesus is the initiator and perfector of our faith (Hebrews 12:2).
To fully understand how we are justified by faith, we start with the realization that Jesus initiates faith. Then when we read Paul's glorious explanation of justification by faith alone from Romans 1 to 11, we fully grasp that the faith that justified Abraham and us is the faith that God initiated in us...it's not our faith, it's God's faith in us.
*Romans 3:3,23-28*
True, some of them were unfaithful; but just because they were unfaithful, does that mean God will be unfaithful?
For everyone has sinned; we all fall short of God’s glorious standard. Yet God, with undeserved kindness, declares that we are righteous. He did this through Christ Jesus when he freed us from the penalty for our sins. For God presented Jesus as the sacrifice for sin. People are made right with God when they believe that Jesus sacrificed his life, shedding his blood. This sacrifice shows that God was being fair when he held back and did not punish those who sinned in times past, for he was looking ahead and including them in what he would do in this present time. God did this to demonstrate his righteousness, for he himself is fair and just, and he declares sinners to be right in his sight when they believe in Jesus. Can we boast, then, that we have done anything to be accepted by God? No, because our acquittal is not based on obeying the law. It is based on faith. So we are made right with God through faith and not by obeying the law.
Look further to Romans 10
Romans 10:17,20
So faith comes from hearing, that is, hearing the Good News about Christ.
And later Isaiah spoke boldly for God, saying, “I was found by people who were not looking for me. I showed myself to those who were not asking for me.”
Silverhair, faith comes from Jesus...it's not your faith.
We disagree because I read the whole Bible and see that faith is a gift and Jesus initiates it. You read the Bible and you think faith is entirely from you.
I am sure you are wrong in your thinking about faith and I am sure you will find that out when you meet Jesus face to face.