First faulty extreme: A human being has no choice at all and is absolutely compelled in every deed.
Second faulty extreme: A human being independently creates actions without any dependence on Allah.
Correct formulation: Allah creates all things, including human actions, while the servant has a real will, choice and acquisition. This makes duty, reward and accountability intelligible.
Application: Choosing to pray or neglect prayer is a matter for which the person is accountable. Yet human choice does not become an independent creative power outside Allah's lordship and will.