Your problem you do not acknowledge that salvation being solely a gift is the condition in order to be saved. Salvation cannot be merited. That salvation cannot be merited, is a condition, in order to be saved. I cited no passage of Scripture here.
3 Jesus answered and said unto him, Verily, verily, I say unto thee, Except a man be born again, he cannot see the kingdom of God.
The context of "gift" is that the sinner is otherwise dead.
1 And you hath he quickened, who were dead in trespasses and sins;
2 Wherein in time past ye walked according to the course of this world, according to the prince of the power of the air, the spirit that now worketh in the children of disobedience:
3 Among whom also we all had our conversation in times past
in the lusts of our flesh, fulfilling the desires of the flesh and of the mind; and were by nature the children of wrath, even as others.
4 But
God, who is rich in mercy, for his great love wherewith
he loved us,
5 Even when we were dead in sins, hath quickened us together with Christ, (by grace ye are saved
6 And
hath raised us up together, and
made us sit together in heavenly
places in Christ Jesus:
7 That in the ages to come he might shew the exceeding riches of
his grace in his kindness toward us through Christ Jesus.
8 For by grace are ye saved through faith;
and that not of yourselves:
it is the gift of God: 9 Not of works, lest any man should boast.
10 For we are his workmanship,
created in Christ Jesus unto good works,
which God hath before ordained that we should walk in them.