First I’d like to take a look at your assertion above because it reminds me of how newspapers will word things when they want to project a certain view without the facts to back it up.
You say, “It seems like the average Catholic THINKS that a person can save him/herself through his/her own merits. I don’t believe that enough Catholics are aware that Only God’s grace can save us.”
From this certain questions arise. First, what constitutes an “average Catholic”? What is the criteria used to define what is “Average”?
Second, does what something, “seems like”, constitute a legitimate basis upon which to make deductions?
So in the end we have “what you believe” to be true about an undefined group called “average”.
Yet based on this you seek our opinions and discussion about something that only “seems” to exist.
I don’t say the above to be nasty or to put you down. I do agree that there are issues with catechesis among the faithful that can and does lead to just this kind of thinking in certain individuals. I have no idea the number or if it constitutes something “average”.
As in all things there needs to be a balance of understanding between God’s free gifts to us and our necessary response to the gifts.
If one runs across a person who believes as the OP suggests, then we need to gently remind them of the absolute necessity of God’s grace in their lives and that our salvation is not dependent upon some ledger sheet of good deeds but rather on our Love for God and our fellow man. Something that we must seek daily to live out.
Peace
James