An analogy

I was thinking last night about an analogy which I'm not really happy about, because it makes some things look unfair.

Imagine you're floating in the sea, and the sea is sin. Now it's entirely your fault you're in the sea, and there's nothing you can do to get out of it. Now a boat comes along, Jesus is in the boat. He has the ability to save you, he can pull you into the boat and save you from your sin. But it's entirely up to him, he has to reach his hand out and grab you and pull you in, you don't have the ability to climb into the boat yourself.

So the result?

It's entirely your fault that you're in the water, but it's nothing to do with you if you're not in the boat, it's entirely God's "fault" you're not in there.

Doesn't seem very fair but I don't think there's much that can be done about it either..