[Faith is] Reliance.
OF COURSE it [faith] is a work, the question is: WHOSE?
Does self give faith to self (thus self saving self) [?]
Scripture quotes Christ saying this:
IF ANY(one) is WILLING...
After Me to be coming...
Let him FIRST deny himself [REPENT]...
THEN take up his cross...
AND Follow Me...
Notice it does not say:
"IF anyone is GIVEN FAITH by Me,
then he WILL deny himself
and take up his cross
and follow me..."
or is it as the Bible repeatedly verbatim states, the free gift of God?
The Bible never says that...
It clearly states that Salvation is the Gift, not your personal faith...
And it clearly states that we are Saved THROUGH [the works of] THE Faith [of Christ]...
And it clearly states that we are Saved BY [God's] Grace...
Which clearly states that when we first embrace the Faith of Christ
which He discipled to His Apostles,
we THEN are Saved BY God's Grace...
That is WHY Christ commanded his Apostles to DISCIPLE all the Nations...
To disciple them in the Faith in which Christ discipled them...
To carefully observe ALL the COMMANDMENTS which Christ Commanded them to DO...
The Faith of Christ is a Labor undertaken by the disciples...
The Faith is discipled...
AS you ARE discipled in obedience, your Faith will GROW...
Works perfect the Faith of Christ IN US, as James observes...
So to the OP - The REASON some do NOT acquire the Faith of Christ is because they either are NOT discipled in it, OR they are not obedient to the discipling they are given... Man is totally responsible for the Salvation he is GIVEN, and man has NO Salvation to GIVE to himself...
Arsenios