You can not have faith and fear at the same time. Jesus asked them why they do not have faith because he knew that the only thing they had was fear. When we look at the storms in our life, and the circumstances around us, they produce fear in us. When we look at the Word of God, jt produces faith in us. We are told to fix our eyes on Jesus. As long as Peter believed when Jesus told him to come to him walking on water, be could walk on the water. But when he started looking at the storm, he was afraid and he began to sink. When we begin to sink in the storms of our life, Jesus could ask us, where is our faith.
Faith does not come automatically. It comes by hearing the Word of God, as the Bible says. Hearing the Word of God, means we pay attention to the Word, even in the storms of our life, even in the most challenging situations. It is not about how we feel about the situations in our life, but it is about what we want to think and believe, when those situations come to our face.
Let Us Study the Bible 