Maybe i have a different take on it. My penalty for sins is death. So I can not pay my debt, no matter what I do. Jesus paid my debt for my sins. So I am saved by grace, because I didn't have to pay it. I can still trust in the one who saved me. If someone made something beautiful for me, and I accepted it. Just because I accepted, can I say I made it? How can I make a claim I saved myself for trusting in Jesus, when I didn't do the work of my salvation? For me to save myself I would have to die. That is not salvation but death.