No, you have expressed your conclusion, but you haven't answered my questions, just like now. And every time we debate on this matter, I will shove those questions in your face until you answer them.
That is utterly contrary to scripture. God repeatedly says we are saved by grace through faith.
Grace by definition is gratuitous, which means it is undeserved. It is given freely without the recipient in any way deserving it. We are saved by grace through faith, and faith itself is the gift of God. Hence:
Eph_2:8 For by grace are ye saved through faith; and that not of yourselves: it is the gift of God:
The 'that' here is in reference to faith, since grace is already the gift of God. It be a tautology otherwise. Either faith is worked in mankind, or else there is something "good" and spiritual in mankind that makes them to differ from other people. But we do not differ from the rest of mankind, and until God works in us both to "will and to do," we cannot believe, no matter how much persuasion is used. It is because we are dead in our sins, and are happy to be dead, and unwilling to listen to the truth.
" Eph_2:8 For by grace are ye saved through faith; and that not of yourselves: it is the gift of God:
The 'that' here is in reference to faith"
This is wrong. In English, it can look that way. However, in the Greek, it is an impossible interpretation because the genders are wrong.
And that (και τουτο — kai touto). Neuter, not feminine ταυτη — tautē and so refers not to πιστις — pistis (feminine) or to χαρις — charis (feminine also), but to the act of being saved by grace conditioned on faith on our part. Paul shows that salvation does not have its source (εχ υμων — ex humōn out of you) in men, but from God. Besides, it is God‘s gift (δωρον — dōron) and not the result of our work.
http://www.studylight.org/commentaries/rwp/view.cgi?bk=48&ch=2
The Greek makes it obvious that the word "that" in the English translation refers to salvation, not faith.