Faith is not something that the unregenerate man musters up in and of himself, faith comes to him by hearing the word of the gospel. The light of the glorious gospel shines unto him as an unregenerate man who is dead in trespasses and sins. He is the object of that light. The light came to him, he did not go to the light, faith came to him through the light of the gospel. He has the capacity to receive it or reject it, believe it or remain in unbelief, agree or disagree, meaning that his volition, that was dead and in darkness because of sin, has had light shine unto it and faith granted to it so that the unregenerate man can humble himself in that darkened state that has been enlightened through the gospel and believe unto the righteousness of God through Christ.
What you are saying is that if a unregenerate man only hear the gospel then faith comes to him, over which he gets volition to either accept or reject? Again, I think the problem here is that we give the unregenerate the charactheristics of the regenerate. This is not a small matter, as it does effect our view of man and ultimately of sin. You say, and have said it before, that it is unregenerate man who humbles himself before God and positively responds to His call, this response resulting in regeneration? While I'd say that actually some repentence and humbling of self is possible for the unregenerate prior to regeneration, none of this is in any way anything that can justify him before God.
Justification is a legal act where God on legal grounds "justifieth the ungodly": God is the only one who can do this. If man justifies the wicked (including himself in his lost state) he will become an abomination. And, no doubt, the "faith" and religion of the unregenerate is no better, all of his attempts to justify himself, to glory in self, to attain to righteousness and to boast of his efforts to that end are an abomination to God. None of it is justifying faith. According to Gal.5:23 humility (meekness, KJV) is a fruit of the Spirit. None of these charactheristics are found in the unregenerate. Only regenerate persons have this. Unregenerate persons do not have this, alas unregenerate persons can not have such humility before God. It is regenerate persons who positively responds to God's calling. I will give God alone the glory here and say that it is God who illuminates and humbles a soul to see his lostness and to understand that it is only by the atoning blood and imputed righteousness alone that he is just before his maker. It is the work of God that you believe the one He has sent (John 6:29).
This is all part of God drawing the unregenerate man unto Himself through His goodness and loving kindness. The decision made by man, once that light has shined unto him, can not be made for him, he must make it as an individual soul that God is calling through the gospel of His Son. That is the 'whosoever believeth in Him'. In that God is not willing that any should perish, He has made the cross and the gospel available to 'ALL', that all should come to repentance. God calls and the unregenerate man must response and believe to have everlasting life and come to that place of repentance that the goodness of God has lead him to. Through that goodness, God is able to turn him as an unregenerate man that is relying upon the living God to give him life through death.
I do not agree here, as explained earlier. Once I used to have a similar position to yours on this though, it was when it came alive to me that man is not only
sick in his sins but actually
dead in them that I saw the flaws in it. Also, it cannot be said that the work of the cross has merely made salvation "available". It will be argued, by scripture, that the work of Christ
alone actually
secured, bought out, His covenant people and their salvation. The work of Christ, for His people, in which He fulfilled all the
conditions and requirements of God for them, in their stead, was then for God's acceptance rather than man's acceptance (
conditioned on same). It is a work that makes unworthy sinners "acceptable in the beloved", before God. This said, I am convinced that the gospel should be offered to all, preached to as many as possible and that people ought to be encouraged to hear it. Yet we ought to see that the positive outcome of this rests in the hands of God.