The "inability" is of a moral nature and therefore more of a description of us in our natural state - as we desire to be according to our own free will. Calvinist preachers, whether Puritan era, or Spurgeon era, or modern Reformed Baptists believe that we should be able hear God's word and respond to the gospel. If you take the time to wade through Owen's writings you find him explaining this in that he said the problem is our wonderful "free will". You then say "how could we be prone to evil, rather than just morally neutral, unless God did something to us in the Fall"? Edwards would say that just like the absence of the sun results in darkness without the sun itself actually causing darkness, God withdrawing his grace from men results in depravity without God actually causing our sinful condition.
The question of course is whether this grace is actual regeneration or if it is primarily awakening and enlightening and thus enabling us to come to faith. And the other thing is whether this has not been made available in some degree to all men or if it is applied to select men in an absolutely effective manner.
I hope everyone can see from the responses on here, that even in Calvinism there is a range of understanding, with some saying that God has nothing to say to the non-elect and that there is no "offer" of the gospel. They bristle at the idea of faith being a "condition" of salvation even as described by Owen or Edwards (who taught that faith is indeed a condition of salvation). What make it even more difficult is that Owen and Edwards did not believe that faith is a condition in the way that many non-Calvinists describe it. They did not believe that God was saying in effect "This is my final proposal and I will see what you are going to do with it because I have done my part and now you do yours".
What happens in all these discussions is that we are using the same words with different meanings. That's one problem. Another is that honestly, we as humans don't really know how to explain how we come to believe in something or what exactly our free will is and what control do we have over it. And lastly, we have no way of knowing how God see's the future and so questions like can God see future events and does everything that happens become "necessary" is total speculation on our part, and on all sides.
So JD, when you make a statement like above you need to realize that taken to it's logically endpoint there is no reason to be born again. You simply need to decide for God and follow him. That has been repeatedly considered error since before Calvinism was invented as a system.
Dave, you would have been far better off if you had never heard of Owen, Edwards, Spurgeon and others like them. All your theology is filtered through these men and without them you would not even be able to formulate an opinion on God. The scriptures do not have sway over your thinking without the filter. They have taught you new complex meanings of simple words that, being applied in any other venue except religion, you would be laughed to scorn. There probably has never been a defense lawyer in the whole world who adopts Calvinism as their guide to life because it would be so silly for them to appear before the judge and admit their client is guilty because he is totally depraved and cannot do anything but evil.
One thing that bothers me about the Reformed, whether Presbyterian or Baptist, is that they are doing exactly as the Corinthians were doing. They were following men and elevating them and denying the real authority of the church in that day, the apostle Paul. He declared that he knew nothing save Jesus Christ and him crucified, a statement that should make us understand that the NT doctrines and instructions to the churches was not by him, but through him. He is still the authority to this very day. Nothing has changed.
2Cor 10:8 For though I should boast somewhat more of our authority, which the Lord hath given us for edification, and not for your destruction, I should not be ashamed:
9 That I may not seem as if I would terrify you by letters.
10 For his letters, say they, are weighty and powerful; but his bodily presence is weak, and his speech contemptible.
11 Let such an one think this, that, such as we are in word by letters when we are absent, such will we be also in deed when we are present.
12 For we dare not make ourselves of the number, or compare ourselves with some that commend themselves: but they measuring themselves by themselves, and comparing themselves among themselves, are not wise.
13 But we will not boast of things without our measure, but according to the measure of the rule which God hath distributed to us, a measure to reach even unto you.
14 For we stretch not ourselves beyond our measure, as though we reached not unto you: for we are come as far as to you also in preaching the gospel of Christ:
15 Not boasting of things without our measure, that is, of other men’s labours; but having hope, when your faith is increased, that we shall be enlarged by you according to our rule abundantly,
16 To preach the gospel in the regions beyond you, and not to boast in another man’s line of things made ready to our hand.
17 But he that glorieth, let him glory in the Lord.
18 For not he that commendeth himself is approved, but whom the Lord commendeth.
We discuss things on this website that are not fundamental to our salvation, but what we believe about Jesus Christ and his work and his salvation is fundamental and Paul says it is.in 1 Cor 15. He says a man can believe in vain. He says this in the context of defining the gospel of Jesus Christ. Then he tells us what vain faith is. I will not discuss it here but later will start a thread to discuss vain faith. I think this philosophy that is discussed here has produced all these new translations that all proponents of them claim they do not believe are authority in and of themselves. Read 2 Cor 10 again. This will drive you to these men of religious renown to find out what the truth is and you find out they don't know either. I do not know whose idea it was to produce 150 new English translations in the last 125 years but I would not be surprised if it is not mostly the Reformed groups. I say that because they do not believe the words without a spin on them according to my experience with them here.