It strikes me that Protestants and Catholics are talking past each other, with the real dispute being that each of us knows that our view is correct and, therefore, concluding that any other view is incorrect when, maybe, the views aren't really that different.
The Reformation was waged on the distinct "view" in Scripture that salvation is of the Lord.
Either God ordains salvation by His grace through faith in Jesus Christ, or men cooperate with God, help God, obey God, please God, and acquire salvation through the partaking of sacraments and through their own righteous choice to believe.
But Scripture says because of Adam's fall all men are dead in sin and none is righteous and we can only do anything God-pleasing after we are born again by His will alone.
Synergism/monergism.
Not by works of righteousness which we have done, but according to his mercy he saved us, by the washing of regeneration, and renewing of the Holy Ghost; Which he shed on us abundantly through Jesus Christ our Saviour; That being justified by his grace, we should be made heirs according to the hope of eternal life." -- Titus 3:4-7"But after that the kindness and love of God our Saviour toward man appeared,
The point of these discussions is to ATTEMPT to explain our point of view so as to clear away misunderstanding. The words "faith" and "salvation" have different meanings to us, so we must first figure out that. Next, we both have particular assumptions and paradigms that we view Scritpure through. This takes some explaining. In my experience, however, we find ourselves closer together than we previously thought. This is a positive for Christianity.
Regards