Here is a useful excerpt from Spurgeon’s book “Faith: What it is and what it leads to.” This portion describes how faith can be misinterpreted or misunderstood in light of true dependence upon Christ alone.
Now let me further remark that there are some who may read this, no doubt, who will say—“Oh, I should believe and I should be saved if”—If what? If Christ had died? “Oh no, sir, my doubt is nothing about Christ.” I thought so. Then what is the doubt? “Why, I should believe if I felt this, or if I had done that.” Just so; but I tell you, you could not believe in Jesus if you felt that, or if you had done that, for then you would believe in yourself, and not in Christ. That is the English of it. If you were so-and-so, or so-and-so, then you could have confidence. Confidence in what? Why, confidence in your feelings, and confidence in your doings, and that is just the clear contrary of confidence in Christ. Faith is not to infer from something good within me that I shall be saved, but to say in the teeth, and despite of the fact, that I am guilty in the sight of God, and deserve his wrath, yet I do nevertheless believe that the blood of Jesus Christ his Son, cleanseth me from all sin; and though my present consciousness condemns me, yet my faith overpowers my consciousness, and I do believe that “he is able to save to the uttermost them that come unto God by him.” To come to Christ as a saint is very easy work; to trust to a doctor to cure you when you believe you are getting better, is very easy; but to trust your physician when you feel as if the sentence of death were in your body, to bear up when the disease is rising into the very skin, and when the ulcer is gathering its venom, to believe even then in the efficacy of the medicine—that is faith. And so, when sin gets the mastery of thee, when thou feelest that the law condemns thee, then, even then, as a sinner, to trust Christ, this is the most daring feat in all the world; and the faith which shook down the walls of Jericho, the faith which raised the dead, the faith which stopped the mouths of lions, was not greater than that of a poor sinner, when in the teeth of all his sins he dares to trust the blood and righteousness of Jesus Christ. Do this, soul, then thou art saved, whosoever thou mayest be. The object of faith, then, is Christ as the substitute for sinners. God in Christ, but not God apart from Christ, nor any work of the Spirit, but the work of Jesus only must be viewed by you as the foundation of your hope.