So obviously then it is clear that without faith no one can be saved. Now let us analyse the word
faith.
Faith means confidence or trust.
Therefore the scripture you quoted could be rewritten as "...Saved by grace through trust in God, the gift of God, not of works.", Now you would agree that trust comes by degrees wouldn't you? That is, one doesn't either trust someone or doesn't trust them - I might trust a stranger to give me directions to the local police station but I wouldn't trust them with the keys to my car. So then a tricky question comes up: how much trust in God is necessary in order to gain the grace necessary to be saved?
The answer to this question is answered by the Lord Jesus Christ in a few passages.
When Jesus was asked what the first and greatest commandment was, he had the following to say:
Thou shalt love the Lord thy God with all thy heart, and with all thy soul, and with all thy mind. (Matt 22:37)
Then he also shared a couple of interesting parables in Matt 13:
44 ¶Again, the kingdom of heaven is like unto treasure hid in a field; the which when a man hath found, he hideth, and for joy thereof goeth and selleth all that he hath, and buyeth that field.
45 ¶Again, the kingdom of heaven is like unto a merchant man, seeking goodly pearls:
46 Who, when he had found one pearl of great price, went and sold all that he had, and bought it.
You will notice that in each of these scriptures, one word keeps popping up - the word
all. From this we can get the answer to our original question: how much trust must we have in God to be saved? The answer is we must have
complete and unlimited trust in God in order to be saved. It is not enough to trust God with some things. Nor is sufficient to trust God with most things. It is not even sufficient to trust God with
almost everything. We must trust God absolutely and completely in order to inherit the kingdom of heaven.
So then, even though may be saved by faith and not by works we are not saved by just any kind of faith. We are saved only by a firm, unshakable and all consuming faith. The kind of faith or trust where if God says "go shoot the president" and you know it is God speaking you will do it. Just as Abraham was willing to sacrifice his son in obedience to God. This kind of faith in God holds nothing back from him. We surrender our wills and all we are to him because we trust him or have faith in him. We become willing to keep all God's commandments and to stand as witnesses of him at all times, in all things and in all places we may be in. So the question of works becomes easy: we will do good works if we have this faith.
But then another question comes: how do we obtain this faith? The scripture you quoted indicates correctly that faith is a gift of God. But what do we know about gifts from God? I will refer to another parable of the Lord. It is the parables of the talents.
In the parable a man gives different amounts of talents to each of his servants. When the master comes back after a while he asks each servant to give an account of what they did with the talents. The two that had 5 and 2 talents had gone to work and done business in order gain more, over and above what they were given. The master was very pleased with these servants. Therefore what ever gift God gives us, he expects us to improve on it. Therefore what ever faith God grants us, he expects us to use it in order to gain more faith.
And this makes sense. If my brother, who has recently become a pilot, asks me to go on a plane trip with him, I will be hesitant. But if I
exercise faith and fly with him and we have a smooth flight and a safe return: my faith in him will grow. The next time he asks me to fly with him I will be much less hesitant.
So clearly faith in God, though initially a gift, is a gift that we can expand and improve upon. But to do so it requires work - good works. In the parable of the talents, the servant who did not do any work to grow the talent he had received received this reply from his lord as recorded in Matt 25:
28 Take therefore the talent from him, and give it unto him which hath ten talents.
29 For unto every one that hath shall be given, and he shall have abundance: but from him that hath not shall betaken away even that which he hath.
30 And cast ye the unprofitable servant into outer darkness: there shall be weeping and gnashing of teeth.
So if we do not work to improve our faith,it will not be well with us at the day of Judgement.
So while it is true that we are saved by grace and that grace comes by faith - it is equally true that the kind of faith required to receive that grace comes by works as we improve upon the gift of faith we have initially received from God.
And this must be true since if the faith required came completely as a gift from God without any works, then we would have to question God as to why he gives the gift to some people and not to others.