I'm in agreement with what you are saying. You didn't give me a reason why you disagreed with my post. The believer today is justified by the faith of Christ, not their own individual faith as in OT times. Christ's faith was not even available to an OT saint, see post #47.
Habakkuk 2:4, "Behold, his soul which is lifted up is not upright in him: but the just shall live by HIS faith."
Yet, Paul was lead by the Holy Spirit to leave out the word "his" because we no longer live by our faith, but the faith of Jesus Christ.
Romans 1:17, "For therein is the righteousness of God revealed from faith to faith: as it is written, The just shall live by faith."
Galatians 2:20, "I am crucified with Christ: nevertheless I live; yet not I, but Christ liveth in me: and the life which I now live in the flesh I live by the faith of the Son of God, who loved me, and gave himself for me."