I believe everyone has faith (noun) and faith (noun) results in believing (verb). Just as everyone has intellect (noun) which results in thinking (verb).
When truth is revealed to "whosoever" and "whosoever" believes that truth, God then works within "whosoever" to increase faith concerning that truth.
Even unbelievers believe some of God's truth (example: most people believe that murder is wrong ... same with stealing ... lying ... etc., etc.). So an unbeliever may believe truth recorded in Scripture, and also remain without eternal life.
imo ... the issue is not "do you have faith" ... the issue is "in Whom do you place your faith".
If we place our faith in the Lord Jesus Christ ... in God and His promises ... we receive the blessings He has promised.
If we place our faith in anything or anyone other than the Lord Jesus Christ ... we receive the consequence of rejecting Him.
I also believe faith is reliable. Faith is more reliable than what we are able to discern with our five senses, our intellect, our emotions.
We observe the glory of God in His creation. That draws us to Him and causes us to want to know Him more. We seek Him out and He reveals Himself to those who seek Him.
Proverbs 8:17 I love them that love me; and those that seek me early shall find me.
Also, He has chosen the foolishness of preaching to save those who believe. That is what God has chosen. We observe His glory in creation and we are interested and want to know more about the Creator. We seek Him. Inevitably God will send someone across the path of those who are hungering and thirsting after righteousness ... someone who will speak the truth of the gospel.
1 Corinthians 1:21 For after that in the wisdom of God the world by wisdom knew not God, it pleased God by the foolishness of preaching to save them that believe.
just some thoughts ... apologies if somewhat rambling ...
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I appreciate the "just some thoughts" and thought they were cohesive.
If I were to summarize re: faith vs. belief, it seems you see them as synonymous and that the important issue (in regard to God) is the content - the object - of faith/belief (per your statement I highlighted and the next 2 statements).
Correct?
I also like what you said about the unbeliever.