Agon D. Onter wrote:
" ... faith is a gift and it is not given at the birth of the body, but at the birth of the soul ..."
Perhaps the difference is that you see faith as binary (either on or off) and I see it as a spectrum. It's perfectly fine for us to have different interpretations/ different views of these concepts.

No of course. I think binary thinking is purely human, the good/bad, theory of life fostered by the early organized religions and their teachers (Zoroaster).
(1009.6) 92:5.11 Zoroaster, while
much affected by the prevalent concept of dual spiritism, the good and the bad, at the same time definitely exalted the idea of one eternal Deity and of the ultimate victory of light over darkness.
Higher thinking requires trifold thinking at the minimum since duality naturally begets triunity, the ancestor of all things.
(1157.4) 105:4.3 It has been sometime stated that unity begets duality, that
duality begets triunity, and that triunity is the eternal ancestor of all things.I agree there is a continuum of faith because faith grows; it is alive. That is not the issue. The issue is when it appears within the psyche. As we all have agreed, trust naturally appears in the psyche, followed by the gift of faith and sonship when the psyche discovers its Creator (who lives in the soul).
Personality, on the other hand, is a pattern that unifies all its constituent parts which would include both the adjutant psyche and soul psyche, our dual mind and dual nature, or character. The adjutant psyche has trust and the soul psyche has faith which the personality works to unifiy as faith-trust. Mind too is unity, all mind ministries conspire to unify the psyche toward God-consciousness which has as its counterpart son-consciousness.
(1593.5) 141:7.4 The Master sought to impress upon all teachers of the gospel of the kingdom that their only business was to reveal God to the individual man as his Father —
to lead this individual man to become son-conscious; then to present this same man to God as his faith son.(9.1) 0:5.11
Personality. The personality of mortal man is neither body, mind, nor spirit; neither is it the soul. Personality is the one changeless reality in an otherwise ever-changing creature experience; and it
unifies all other associated factors of individuality. The personality is the unique bestowal which the Universal Father makes upon the living and associated energies of matter, mind, and spirit, and which survives with the survival of the morontial soul.