Faithfulness does not depend upon faith. For example, a wife’s faithfulness to her husband has nothing to do with any faith that she may have in either her husband, herself or her marriage. But if this is the case, that faithfulness doesn’t require faith. And if so, then what is the importance of faith in the New Covenant (it is not as easily eliminable as you would like it to be)? If you say none, you just embarrass your exegesis further. If you grant it value, value that warrants its mention all over the New Testament, then you undercut your own position. For faith has a logical relationship with faithfulness. This is what James is talking about. And if there is a logical relationship between faith and faithfulness, what makes you so confident that it isn’t faith through which we are saved (which is the most natural and logically fitting interpretation of the Biblical data)? If we are saved by faithfulness, then we are saved by obedience or conformity to law (whether that be an internal or external law it doesn’t matter). And if so, then faith is pointless. You don’t need faith to be obedient, especially if law motivates us internally. Who needs faith to do what they want to do? No one.