Faith

"Jesus saw the faith of these people, he said to the paralytic, 'My son, your sins are forgiven'." 
(Mark 2:5)
Faith is always personal, but it is not "something we acquire by ourselves".
Faith is a gift of God and a gift of others, the Christian community. It is not something we have because we deserve it.

"And Jesus said to the paralytic, 'Stand up, take up your mat and go home'. The man rose up ... he took up his mat and went out." (Mark 2:11-12)
Then the faith that we have received is called to mature, to be the soul that gives life to our thoughts, words, and actions.