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To be saved, do I have to just ask God?

And everyone who calls
    on the name of the Lord will be saved;
for on Mount Zion and in Jerusalem
    there will be deliverance,
    as the Lord has said,
even among the survivors
    whom the Lord calls.  Joel 2:32
For there is no difference between Jew and Gentile—the same Lord is Lord of all and richly blesses all who call on him, for, “Everyone who calls on the name of the Lord will be saved.”
How, then, can they call on the one they have not believed in? And how can they believe in the one of whom they have not heard? And how can they hear without someone preaching to them?   Romans 10:12-14
            Paul, in the book of Romans, referenced this simple line from the book of Joel, saying that to be saved all we had to do was ask.  However, if we realize we need saving, the asking would be more like a cry, as if one was in the process of drowning.
            We should be desperate for God’s help.  No drowning victim politely requests someone's assistance in this matter.  “Calling” means the person totally understands the state of their soul and screams for God’s help.
            This request will be fulfilled by anyone who asks (Jew or Gentile).  However, people are needed to remind others that they are drowning and that God is willing to help them.  Like walking lifeguards, we evangelize by pointing drowning people to the way to be rescued.