Matthew 14:28-29.
At the time of Matthew 14:28-29, Peter had faith for Jesus said "You of little faith" (Matthew 14:31).
Faith/belief is the work of God for Lord Jesus says "This is the work of God, that you believe in Him whom He has sent" (John 6:29).
Peter could walk on water because God is already there with Peter, and the Word of God says "I am the vine, you are the branches; he who abides in Me and I in him, he bears much fruit, for apart from Me you can do nothing" (John 15:5).
A person ONLY has the ability to bear good fruit when the Spirit of God is with the person for it is written "he who practices the truth comes to the Light, so that his deeds may be manifested as having been wrought in God" (John 3:21).
Behold, his deeds and God "wrought".
It is God that give the ability to obey a command.
A command does not convey ability.
Then, there is no free will indicated for all of mankind. And therefore man is not responsible for his own sin. Thus, the day of judgment would have no basis in justice; it would be a kangaroo court. God would be putting people in hell who had no choice in the matter but to sin against Him.
Your first sentence in the paragraph is ABSOLUTELY CORRECT, but then you break into your thoughts.
It is written, "'For My thoughts are not your thoughts, Nor are your ways My ways,' declares the LORD. 'For [as] the heavens are higher than the earth, So are My ways higher than your ways And My thoughts than your thoughts.'" (Isaiah 55:8-9).
A man most certainly is accountable for his own sins.
You seem to be unaware of a fundamental Christian doctrine, so here it is:
God is mercifully loving to save any of the rebellious persons, we beneficiaries
FOR the first nature of all men is enmity against God
MOREOVER, that first nature, the default nature, the enemy against God nature is sometimes referred to as the sin nature
AND that is just like the first man, Adam, from the earth, earthy (1 Corinthians 15:47)
FOR through Adam sin entered into the world, and death through sin, and so death spread to all men (Romans 5:12)
AND respecting the first nature all people have no choice in the matter, all people enter life with the sin nature (Colossians 1:13-14, Colossians 1:21-22)
YET people in the first nature are incapable of pleasing God (Romans 8:8)
AND people of the sin nature cannot understand spiritual things of God (1 Corinthians 2:14)
SO God's regeneration of men in the renewing by the Holy Spirit results in a new creation (2 Corinthians 5:17, Titus 3:5)
AND by the act of God, the old things passed away while the new creature has come (2 Corinthians 5:17)
AND the "old things", the first and default nature, is carnal/darkness/wicked/evil/dead/natural - in/by/of/for man
BUT the "new things", the God imparted nature, is Spirit/Light/righteous/good/life/eternal - in/by/of/for Christ
SO the "new creature" is made holy by the Holy God named Jesus Christ
AND the "new creature" is in Christ, and only the "new creature", we born again by God, are in Christ
AND in Christ all will be made alive (1 Corinthians 15:22)
God is just (Deuteronomy 32:4).