But we don't reason this way in real life, do we? If I give a panhandler $20, I don't reason to myself that he worked for that $20, or that it was somehow owed to him as wages. But if the panhandler had not taken the initiative to stand on that street corner and hold up the sign asking for help, I never would have given him the $20. It's still an act of grace on my part, but the panhandler took initiative in receiving it...without his initiative, he never would have received the gift.
So it is with salvation.
This analogy assumes that the "panhandler" already perceives "panhandling" as something other than "foolishness"...
Most human analogies exclude the fact that we are "made sinners"... and this is the reason these kind of analogies miss the biblical account.
Romans 5:19 For as by the one man's disobedience the many were made sinners...
Add back in the fact that before the "panhandler" desired to "panhandle" he loved his poor, homeless, dumpster diving life and then one might ask what changed his desire for his old lifestyle such that he now desires to "panhandle" for something better?
1+2 = 3... is only true if you remove +3+4+5 from the equation.
1+2+3+4+5 does not = 3