Then you say fallen unregenerate people are incapable of faith. How is it that God credits our faith, if it is impossible. You have no answer, just another subject change.
The question is not "How is it that God credits our faith..." This is another problem in the scheme you construct.
To acknowledge that all saving faith is a gift of God which is bestowed by "hearing and hearing by the Word" is to agree with the Scriptures. It is not human generated fallen hope, but faith implanted by the Holy Spirit through the Work of the Word of God. It is that faith which is given and therefore called "mine" by the believer because such faith was given to individuals to believe.
Next you redefine "pistis" to mean what lexicons do not include.
1) relating to God: the conviction that God exists and is the creator and ruler of all things, the provider and bestower of eternal salvation through Christ.
2) relating to Christ: a strong and welcome conviction or belief that Jesus is the Messiah, through whom we obtain eternal salvation in the kingdom of God
From Strongs:
Faith (4102/pistis) is always a gift from God, and never something that can be produced by people. In short, 4102/pistis ("faith") for the believer is "God's divine persuasion" – and therefore distinct from human belief (confidence), yet involving it.
From NAS Greek Lex:
... in the NT of a conviction or belief respecting man's relationship to God and divine things, generally with the included idea of trust and holy fervour born of faith and joined with it
What is the work of the Holy Spirit? Convict ...
Without the direct work of the Word and Holy Spirit there is no faith that comes, and no saving faith that can be expressed.
It remains that human faith is fallen, just as the human will. Coming short of the righteousness of God, the Holy Spirit must bring faith that meets that reconciliation.
Next, you repeat the falsehood that to be granted to believe, means to have faith instilled. No, it means a person is allowed to believe, the gospel has been presented, the person's heart has not been hardened.
See above. See previous Scriptures offered to support that faith is bestowed as a gift and not that human failure of vain hope.
Finally, you say that Jesus is the author of our faith, which means it is in Him and in His name that our faith resides, and not meaning He instilled it. You view is unstudied.
If you are stating that human generated faith is the author of saving faith, that is not Scriptural.
John 1 states that God empowers certain to become His children.
Romans 10 states that faith comes by hearing and hearing (the opening of understanding) comes by the Scriptures.
1 Corinthians 12 speaks of how some are given great faith (a greater measure of faith).
Ephesians 2 states the HOW that you desire to "obfuscate and deflect":
4But God, being rich in mercy, because of His great love with which He loved us,
5even when we were dead in our transgressions, made us alive together with Christ (by grace you have been saved),
6and raised us up with Him, and seated us with Him in the heavenly
places in Christ Jesus,
7so that in
the ages to come He might show the surpassing riches of His grace in kindness toward us in Christ Jesus.
8For by grace you have been saved through faith; and that not of yourselves,
it is the gift of God;
9not as a result of works, so that no one may boast.
10For
we are His workmanship, created in Christ Jesus for good works, which God prepared beforehand so that we would walk in them.
If you do not see the How and Why in that passage it is not my problem.
Please to continue to obfuscate and deflect, I have presented answers to everyone of your objections time and time again, but you never acknowledge the truth.
Unless you can show me by Scriptures that the infertile soils were redeemed, even had the opportunity to be redeemed, I will acknowledge the Truth over your truth.
Who owns the dirt?
Who decides the use of the dirt?
Who decides when and where to harvest?
The Master or the dirt?