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Since when did I "earn" grace through a sacrament? It is freely given. I obtain grace from God by asking for it. So do you. I ask and receive through the signs Jesus gave us. You ask through prayer. We are both "acting" when we receive grace.

The Council of Trent
Seventh Session: Decree Concerning the Sacraments
(says)

For the completion of the salutary doctrine on Justification...it hath seemed suitable to treat of the most holy Sacraments of the Church, through which all true justice either begins, or being begun is increased, or being lost is repaired. After this Catholic doctrine on justification, which whosoever does not faithfully and firmly accept cannot be justified.

It seems to me that you need top see what was determined at the Council of Trent, and stop asking me to explain your doctrine. It's right here. You can throw out your analogies, but it's real plain what they are saying.

It sounds to me like you need to teach what you say you believe to your leadership, as they are not saying what you are saying. You are providing terrible spin and it shows all around you.