The Greek is πίστις (pistis). It is translated 238 times into faith and 3 as faithfulness. Favoring faithfulness over faith seems suspect.The Greek word can be translated faithfulness or faith, but since this is addressing Baptized believers it would have to be faithfulness and not faith since they already have saving faith.
Which is basically what the OP is saying.Nonbelievers do lots of stuff, but cannot “do” anything worthy of anything including not being able to earn any part of their salvation.
Arminians say that non-believers are NOT in Christ. But according to the Arminians, non-believers can do SOMETHING while NOT in Christ: the non-believers CAN believe so they can be in Christ.
On the other hand, Jesus told His disciples that apart from Him, that is, while NOT in Him, they can do NOTHING. Hence Arminians seem to teach that non-believers are better off than Christ's disciples. While the disciples can do NOTHING, the non-believers can do SOMETHING.
And that's the Arminians' Dilemma.