From my experience, here’s what I’ve come to realize.
For a protestant, faith will often mean “I believe in Jesus and His death covers my sins so I’m going to heaven.”
From a catholic viewpoint, faith means not only believing, but living, repenting, reforming. Constant conversion. It’s a trip through life to constantly get to the point where we are worthy of heaven. It’s not a one time thing, it’s something we can fail at and yet keep pursuing. It is perseverence.
Either way, both versions come from God’s grace, imo.
Also, something I’ve come to wonder. If as a catholic, I am wrong, and all faith means is believing in Christ, then I’m still covered. Is it going to hurt to repent, convert, and strive to live a better life? To do all those works and good deeds? Nope. But if I’m a protestant and I’m wrong, and faith does require more, then I’m going to be out of luck. Because Christ is going to say “I never knew you.” on judgement day. Seems to me the protestant way is easier, but the catholic way sure seems more complete.
