No its not hard to understand . It is not YOUR Faith to put in Him.This Faith was a FREE gift . Do not claim Faith as your own. We walk by Faith, by Christ , this is the gift of Salvation . We are responsible for our own sins and shortcomings - this is the only "choice" we have when we take our eyes from The Lord for an instance and slip back into "ourselves". We are here for His pleasure - the very core of our life in Christ. (Rev 4:11)