What part of "exploiting grace" did you not hear?
@Genez has made it known in umpteen posts that grace is God's working policy and that we receive nothing apart from grace.
You give the impression we have absolutely no part to play in our growth, that it all just happens automatically. Even physical growth requires something of us on our part, we have to eat what is presented.
Is this grace of God that is His "working policy" effectual or ineffectual?