Do most beieve that faith is a gift from God, or something inherit within us, that we chose to exercise?
Most, if not all Calvinists believe presalvation faith is a gift of God instilled by irresistible grace, but that of course has been shown to be a mistaken view. It is God who credits our presalvation faith, as worthless as a filthy rag, as righteousness, so the "gift" is turning our sows ear faith into a silk purse. No Calvinist believes that biblical truth, however.