Ok.
I'm going to start with a metaphor here: a man comes up to you and says "Mjh29, I love you so much, I want bought you a mansion. Here's the keys. Please, come live in this wonderful mansion. I even hired a moving company to pack and move all your stuff, handled all the paper work, and everything is good to go. Here are the keys, please come live in this wonderful place."
In such a case, you have not in any way earned this mansion-- ALL of this is an underserved gift for free. But it is a gift- you don't have to accept this.
Salvation is likewise: it is a FREE gift that you don't remotely earn. Christ did it all, and is now handing out the keys you totally don't deserve. To you, and to each other person, out of love.