You don't have to be deserving or smart to receive God's gift of eternal life. I have never heard any Christian argue for such.
The Bible presents eternal life as a free gift. Romans 6:23 states: “For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.” So, if we meet God’s condition for eternal life according to John 3:16, by believing in Jesus, and thereby receive God’s free gift, can it be said that we thus earned salvation or in any way contributed to our salvation?
If a gift could be earned, then it is no longer a gift but a payment due. For instance, when the Prodigal Son returned home after squandering his share of the inheritance, humbly asking his father to make him as one of his servants, can it reasonably be said that the Prodigal Son contributed, caused, earned or in any induced his father to shockingly put the ring back on his finger, kill the fatted calf and throw a celebration party? (See Luke 15:11-32.) That type of unexpected welcome was completely the father’s grace and choice. If anything, the Prodigal Son possibly deserved to be stoned to death. So, too, when the penitent sinner comes to Christ, our submission doesn’t merit, cause or contribute to God’s grace.
Calvinists argue that if God’s free gift of eternal life could be refused, then conversely its acceptance necessarily establishes credit for the receiver, who thus can comparatively boast of their good, wise and smart choice to accept it, in comparison to others who reject it. However, in order to correct this type of thinking, ask the Calvinist to take the following challenge, to show their logic in action: Upon receiving a wedding anniversary gift from their spouse, tell their spouse that they are taking credit for their spouse’s gift since it is being freely accepted, and also add that the gift is not truly gracious, since it is a gift that can be refused.