Yes, and because of God-given MFW/faith, souls are justly accountable for how they exercise it.
Do you agree?
NO....
We are saved by grace!
Grace is God's power to overcome our helpless state of weakness.
While we were being given the Gospel...
Grace takes the sin nature and suppresses it.
In that manner, our soul was made free from the tyranny of the flesh.
While in that state of enabling grace?
Our soul is truly made free to be as we choose to be.
We can still reject! Freely reject.
At that moment of enabling grace is when we are to choose -
Either for -or, against - the Lord!
That is a state of complete and pure accountability!
If you always wanted to believe?
You were (by grace) made free to believe!
You want to reject?
Can not say, "my flesh made me do it."
In that state of grace enabling, God provided the Word of God (to become our faith).
And when we believed, he grabbed us up and sealed us for forever!
So faith comes from hearing, and hearing through the word of Christ.
Romans 10:17