Now faith is the assurance of things hoped for, the conviction of things not seen (Hebrews 11:1)
He was a philosophy major and he wanted me to tell him how I—a rational, intellectual person—believed in God. He caught me off guard (spiritually speaking). At that time I was ill prepared to counter his arguments, and though I spewed out all manner of things (which I still don’t remember) in a valiant effort to prove to him that Christians are not the mindless and anti-science lot he made us out to be, it was a dismal failure. Ultimately I had to fall back on faith: You believe or you don’t.
He rolled his eyes at me, “Well, that is what I want to know. You believe—have this faith that you call it. How did you come about to have that faith?”
I could not answer that then. The basic explanation of faith in the Bible still confounded me, how could I explain that which I never really knew of? I simply believed, and I figured that was the same as having faith, right?
Now I am inclined to think otherwise.
Belief—like I’ve said in one of my previous posts—is nothing special . It is essential to faith, but it is not faith. Belief will only carry you as far as the limits of your comfort zone, that is, up to the point where certainty ends and where faith must begin.
Ok, so I believe. How do I make the leap from believing to having faith so small (the size of a mustard seed) that I get to move the mountains? That, O my soul, is the work of God!—and it’s up to you to let him do his work or not.
God brings us into circumstances in order to educate our faith, because the nature of faith is to make its object real. Until we know Jesus, God is a mere abstraction and we cannot have faith in Him…Faith is the whole man rightly related to God by the power of the Spirit of Jesus Christ –Oswald Chambers 
My mercenary self always missed the point of faith. Before feeding the prophet—so to speak—I wanted to know for sure that God would replenish the jar of flour and the jug of oil. In short, I wanted to have the certainty of something happening (of my leap of faith being effective) before I acted upon my faith (before leaping). That, of course, is missing the point altogether. I was a mere believer—seeking certainty and not faith—what else was to be expected?
The ultimate goal of faith is to know and love the Father. Hebrews 11;1 talks about faith being a certainty of what is unseen. For me, the only unseen that matters most (indeed, the only thing I should seek to be certain of) is the Father–the great Unseen– whom one day we all hope to see face to face.
That is the crowning glory and the goal of having faith: to reach the point of not needing faith. To reach Heaven. Healing the sick, moving mountains, having free refills comes as a happy bonus. It’s extra.
 Chambers, Oswald, My Outmost for His Highest “Faith” (October 30)