In your schema, faith is a gift, but they must be willing to accept that gift. Here’s why we teach what your side teaches as a meritorious salvation. Martha is lost, dead in transgressions and sins. God reaches out the gift of faith, but He won’t violate her free will, because He would then be forcing it upon her by violating her free will. She has to be willing to reach out and take it, as a gift can also be rejected. It is only after she willingly accepts the gift, she is saved. It has her reaching out and then receiving salvation because she did something, reach out and accept that gift. That’s a work, plain as day. You teach those that do something, reach out and accept the gift, are saved. Those who reject it aren’t saved. You’re teaching salvation is based upon what they did, not what God did in Christ.
Martha is not saved because she reached out and accepted the gift. That empties the cross of its power. Martha is not saved because she did anything, but what God did for her through His Christ.