I was reading A. W. Tozer and he stated some things that made sense and where interesting. He stated that God put in us the desire to pursue God. I can understand this because humans have an penchant for spiritually. This explains why there are so many religions. A desire for spiritually is part of human nature. This then means that God is that one who can take credit for salvation because He was the one who created that desire to pursue spiritually matters. But also on a practical level it is man who has to work to pursue God. One cannot just accept God and be done, but must engage in action towards God.
So God is the starting point. Everything comes from God. Yet human reactions are important. God does the hard part and there is a call for humans to react and respond. It is not the same as letting God do all the work and it is not Humans doing most of the work. So I find God has put it in me and God desires a response from me. Really God has done all the hard work and I am just participating in God’s creation.