There is no such thing as "passive faith". Our ultimate salvation and glorification will only come about as we cooperate with the working of God in us. We can work all we want, expend every effort, but it will be for naught if we do not have faith and the indwelling of the Holy Spirit. Even the most holy Christian on earth will never be able to say to God, "You owe me, look what I have done!"
The most holy Christian will be the first one on his face proclaiming the wonder of his undeserved grace.