1)
Matthew 13 says people can receive the gospel, teaching total spiritual inability is false doctrine.
Matthew 13 tells me that there are 4 types of people who believe, or receive the "seed" which is sown in the heart of a person... the immutable word of God.
The 4th one is the only one that brings forth true spiritual fruit ( Galatians 5:22-23 ).
It also says that there are wheat and there are tares...combined with the previous parable of the sower, I see that 3 are "tares" ( because they fall away ), and the 4th is the "wheat".
2)
Matthew 23:13 says some people were entering the kingdom, thus having spiritual ability, yet were prevented from entering, thus their ability did not come from "irresistible grace."
Matthew 23:13 tells me that the spiritually dead and vainly religious were hindering those that were entering in.
Based on other passages such as Romans 8:29-30 and many others, I understand that those that were entering in were and are God's elect...
While those that were and are doing the hindering are false teachers.
Thus, "spiritual inability", or lack of desire on man's part as Romans 1, Romans 2 and Romans 3 describes ( as well as Psalms 10, Psalms 14 and Psalms 53 ), is supported...
As well as
reflected in the actions of the Pharisees throughout the parallel accounts of what are known as the four Gospels.
3)
Romans 4:23-24 says God credits the faith of some people for their benefit, as those who believe God raised Jesus from the dead.
I agree.
I also see that Ephesians 2:8 describing that faith is the gift of God, and Hebrews 12:2 telling me that true faith is authored and finished by Jesus Christ, while Hebrews 11:1 tells me that it is the evidence of the things that are not seen, i.e. the working of God in a person.
In addition, Galatians 2:16-20 tells me that it is the faith of Christ that both we and Paul live by.
Therefore, God credits a believer's faith as righteousness... but without that gift of righteous faith, there would be no crediting of something that was never there to begin with.
At the Judgment, God gets all the glory and man has
nothing to stand on except God's mercy.
4)
2 Thessalonians 2:13 says we are chosen for salvation through "faith in the truth." Thus our "benefit" of having our faith credited is to be chosen for salvation and placed spiritually in Christ, the sanctification by the Spirit.
2 Thessalonians 2:13 says that believers are chosen to salvation
through sanctification of the spirit and belief of the truth.
Ephesians 2:8 tells us that by grace are we saved
through faith.
Thus ( and according to my understanding of where a believer's faith comes from ), our benefit of having our faith credited to us, per Hebrews 12:2 and Ephesians 2:8, is directed back at the Lord and His gift of faith, which we are chosen to salvation through, and not "by means of".
If it were "by means of" ( instead of "through", which places belief of the truth and faith as things that are involved and not a means ) that would require the Lord to
reward us with salvation, making His
gifts conditioned on merit;
This is not possible, since by definition, a gift cannot be merited in any way, shape or form... or that would re-define the word to be "reward", and not "gift".