Faith is the demonstration of belief in something before we see it happen. It is an energy force kept alive in believers, gathering strength and momentum the more we rely on it. Faith isn't inherited or gained by our being baptized or going to church, although both are necessary practices in the lives of believers. It's a personal transaction between God and His children. Just as a plant can't grow without water and sunlight, neither can our faith grow without action.
Think of it this way. Imagine you're standing on the bank of an ice-covered lake and you want to go fishing, but you're not sure the ice is strong enough to hold you up. You really want to fish in this lake because you've heard from other's who have tried it out that it's loaded with huge tasty trout. A friend comes along and assures you that the ice is strong enough to hold you up, and that if you don't try it, you'll miss out on some great fishing. You're now are faced with a choice.
Until you believe that the ice will hold you up and demonstrate this belief by taking your first steps onto it, you won't know for sure. As with any worthwhile thing you want to do, there is risk involved, but if you're too afraid to risk, you could miss out on a great meal later (and a few good fish stories too).
Faith in God is a lot like that ice except for one thing. With God, you are never truly risking anything by believing what He has told you. It may seem risky with human reasoning, but He would never ask you to do something that would ruin His plan of good for you. On the contrary, trusting Him will lead you on the greatest adventure of your life!
All of God's promises and assurances are tried and tested with 100% success rate every time. Of course, Satan does not want you to trust God, so he will be whispering in your ear the whole time, "It's not safe. Don't step onto the ice. Don't believe." But then again, Satan doesn't want you out there taking fish from the lake either. He doesn't want you telling others the good news about the ice being strong enough, or figuring out that God was telling you the truth all along.
If you want the fish, you have to risk.