You are assuming that man is the one who can produce the faith on his own, unaided, when the Bible clearly states that he cannot, Ephesian 2:8,9 once again. Nothing in those passages suggests that this faith is something intrinsic to men apart from a divine work of God first. You are going to have to show us from the text that saving faith is natural to sinners. Just because these various texts point to faith as the instrument of salvation, does not conclude that it is natural to men.

You have fallen into the mistake of assuming something that is not true. I have never claimed that faith is natural to man. On the contrary I have affirmed in a recent post that faith is the gift of God and not of man. Nevertheless, you cannot ignore other scriptures which show that receiving life is through faith.