Based on what you have said Robert you must agree that all people have the ability to accept certain things are true and that the same people have the ability to place confidence or depend upon a person, statement or thing as being trustworthy. So how does this line up with faith not being of ourselves that it is a gift so that none should boast. If all people all thime have the abilities then it makes faith and believe common to all.
Faith is a natural human attribute that we are all born with. One would not be able to function in life without faith. As children we have faith in our parents. This same faith is activated when we hear about Christ and his Gospel. We hear, we believe and by faith we embrace Christ and his Gospel and are saved, Romans 10:17.