Amen.
As you know, I also hold that a person's faith is a gift.
Once given to us by God ( Ephesians 2:8 ), it becomes
ours.
Therefore, I see no reason to disagree with the words on the page, as I clearly see it saying that a person's faith is counted for righteousness.
Now a question for you:
Does Scripture tell the believer
why people believe or do not believe on Christ?
Yes, It does.
For example:
John 6:37-47, John 6:64-65, John 10:26 and many others have much to say about the cause of someone's belief;
There's far more to God's word than simply Romans 4:5, John 3:16, 2 Peter 3:9, 1 Timothy 2:3-6, 1 Timothy 4:10 and 1 John 2:2, to name a few.
There's
all the rest ( Matthew 4:4 )…
And it's all
just as important as key passages that tells us what
characteristics or
evidences that one of God's children ( who were chosen to salvation through those things ), will have...
One of which is
their belief of the truth ( 2 Thessalonians 2:13 ).
What I'm hoping that you're willing to do, is to factor
all of what is declared in the Scriptures, into your conclusions.