There is a debate about this verse. Some people say grace is God’s part, faith is ours.
It is all said to deepen our debt to God. Let us go on our way to God with a great debt to almighty God, the God of love, the man of love who came into this world and suffered and died for us, Jesus Christ the Lord. How much we owe! Let us feel so indebted that we will yield to him and obey him and serve him in everything.