Humans will never personally surrender to God. It goes against their nature.
Out of curiosity, what verse do you use where God says "You must personally surrender to me or I won't save you."?
You really should at least read the OP before you go into condemnation mode .
It's all there !
I'll repeat it just for you .
Pisteuo is used 248 times in the NT . Pisteuo , could not be translated into the English language because , the English language has no word for the corresponding verb form of Faith , the noun pistis .
So , the translators having to choose the next best word chose the words believe believer and believing , which really only communicate part of what a verb is , not pisteuo directly.
Here is the important part !
The exact definition of pisteuo , word for word out of the Vines Greek dictionary is , " a personal surrender to Him , and a life inspired by such surrender .". So every time you see those mistranslated words believe , believer , and believing , 248 times , just replace those words with the exact definition of pisteuo from the Vines. The English language can't translate pisteuo in one single word .
Example :
In 3:16 , " for God so loved the world that He gave His only begotten Son , that who so ever ( believes ) " personally surrenders their lives to Him , and lives a life inspired by such surrender , in Him , should have everlasting life ."
I could give 247 more examples of how pisteuo should correctly be understood .
And just to make sure we are on the same page , I'm am looking at pisteuo , as is relates to the very beginning of our walk with Christ . Before His Spirit is sealed in a called out one . Not at the end of the process in which you seem to be leaning towards .