Thus everyone should beware lest he has in his heart a dream and fancy instead of faith, and thus deceives himself. This he will not learn anywhere as well as in doing the works of love. As Christ also gives the same sign and says: “By this shall all men know that ye are my disciples, if ye have love one to another.” John 13:35. Therefore St. James means to say:
Beware, if your life is not in the service of others, and you live for yourself, and care nothing for your neighbor, then your faith is certainly nothing; for it does not do what Christ has done for him. Yea, he does not believe that Christ has done good to him, or he would not omit to do good to his neighbor.
This St. Paul also requires, 1 Corinthians 13:2: “If I have all faith, so as to remove mountains, but have not love, I am nothing.” This explains the whole matter, not that faith is insufficient to make us pious, but that a Christian life must embrace and never separate these two, faith and love.
But the presumptuous undertake to separate them, they want only to believe and not to love, they despise their neighbor, and yet pretend to have Christ. This is false and must fail.
Thus we say, too, that faith is everything and it saves us, that a man needs no more for his salvation. Yet he is on this account not idle, but labors much, all however for the benefit of his neighbor, and not for himself; for he does not need it, he has enough in Christ. If, however, he does not do this, he is certainly not right. And this his work is his love. But the blind guides want to teach that works are necessary, that the worker needs them for his salvation. This is the chief perversion, the error of all errors, for by this they destroy both faith and love, the entire Christian nature and example. They take the work from the neighbor, and give it to the person himself doing it, as though he needed it. Here faith cannot live, for he knows that his work is not necessary and helpful for himself, but only for his neighbor. Thus they are opposed to each other; faith casts the works from itself on the neighbor through love; but the blind teachers tear them from the neighbor, and apply them to their own persons, and thus choke and dampen both love and faith, and cause man only to love himself and to seek only his own salvation and trust in his own works. From this evil must follow dull consciences and much self-chosen work, building churches, much praying, the saints’ fasting and the like, which are beneficial to no one, and all misery and misfortune must follow, as is at present evident in the cloisters, monasteries and high schools.]