It is something you can see the early Christians debating as well.
This is a take from James 2 “”What good is it, my brothers and sisters, if you say you have faith but do not have works? Can faith save you? If a brother or sister is naked and lacks daily food, and one of you says to them, “Go in peace; keep warm and eat your fill,” and yet you do not supply their bodily needs, what is the good of that? So faith by itself, if it has no works, is dead. But someone will say, “You have faith and I have works.” Show me your faith apart from your works, and I by my works will show you my faith.“ James 2:14-18 NRSV
And this is from Romans written by Paul
”There is therefore now no condemnation for those who are in Christ Jesus. For the law of the Spirit of life in Christ Jesus has set you free from the law of sin and of death.“ Romans 8:1-2 NRSV
”because if you confess with your lips that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. For one believes with the heart and so is justified, and one confesses with the mouth and so is saved.“ Romans 10:9-10 NRSV
And from Ephesians (which might have been written by Paul) ”For by grace you have been saved through faith, and this is not your own doing; it is the gift of God— not the result of works, so that no one may boast.“ Ephesians 2:8-9 NRSV
I’m just cherry picking a bit here, plus there was of course much more debate on this topic than what we have documented. My personal thought on is it that, while it may seem wildly unfair, what other alternative than “saved by grace” could there really be that doesn’t result in people saving themselves. If Jesus truly paid the price, what else is there to pay?