10. "But the Bible says faith is the gift of God and that all men have not faith; perhaps it is not the will of God to give me saving faith.”

Faith is the gift of God in this sense, that only through His Word is it received. "Faith cometh by hearing, and hearing by the word of God." All men may have faith if they will; but alas, many refuse to hear the Word of God, so they are left in their unbelief. The Holy Spirit presents the Word, but one may resist His gracious influence. On the other hand, one may listen to the Word and believe it. That is faith. It is God's gift, it is true, because given through His Word.
“Not all the blood of beasts
On Jewish altars slain,
Could give the guilty conscience peace,
Or wash away the stain.
“But Christ, the heav'nly Lamb,
Takes all our guilt away;
A sacrifice of nobler name
And richer blood than they.
“My faith would lay her hand
On that dear head of Thin;
While like a penitent I stand,
And there confess my sin.
“Believing, I rejoice
To see the curse remove,
And bless the Lamb with cheerful voice,
And sing redeeming love.”
—ISAAC WATTS.