Actually the "Selfish" really don't have ANY faith at all, and "Faith" is not an "Act of the will" since the "will" cannot produce Faith - only God can through the inspiration/conviction of the Holy SPirit.
"PRESUMPTION" is an "act of the will".
Faith IS However: "following upon a conviction that to believe is a duty". Which is an awkward way of saying that GOD HAS IMPRESSED one that he should do something specific - and the TOTAL CONVICTION that: Something IS to be done, and GOD has convicted one that he is to do it is the definition of "Faith".
The "act of the will" is nothing more that the decision to be obedient (because of the Faith) to the leading of the Lord.