“For by grace you have been saved through faith, and this is not your own doing; it is the gift of God—” (Ephesians 2:8 NRSV)
Many Calvinists fear that any retreat from the conviction that God causes faith will make salvation a human accomplishment. If faith is something we do, then salvation rests on our deeds and no longer on God’s grace. If faith is viewed as our part in the process of salvation, then salvation must he viewed as a cooperative affair, and we should then describe ourselves as self-saviors in part.
But the flaw in this Calvinist fear lies in its improper understanding of the nature of faith itself. The Bible itself does not describe faith as a work that accomplishes a task, or as a deed that establishes merit, or as a lever that forces God to act. Instead, we find that genuine faith is something quite different. As Paul’s treatment of Abraham shows, the patriarch’s faith had no power over God, earned no merit before God and stood as the polar opposite to honorific deeds. Abraham believed God, and righteousness was ‘credited’ to him, not paid to him. God alone justified Abraham freely on the basis of Abraham’s faith (Rom 4:1-6). Since by its very nature faith confesses the complete lack of human merit and human power, it subtracts nothing from the Savior’s grace or glory. By its very nature, faith points away from all human status and looks to God alone for rescue and restoration.
— Jerry L. Walls & Joseph R. Dongell, Why I Am Not a Calvinist (2004) pp. 77, 78.