The category you’re naming
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The key distinction is this:
The NT does not merely say that love is the moral essence hidden underneath a continuing body of commandments. It explicitly presents love as the commandment given to the New Covenant people, and describes love as the fulfillment of the former law.
1. “Love is the goal of the law” — true, but Romans 13 says more
The paragraph says:
“love as the goal of the law”
Paul certainly says this:
“Love worketh no ill to his neighbour: therefore love is the fulfilling of the law.”
— Romans 13:10
But notice Paul's wording. He does not say merely:
Love is the principle behind the law.
He says:
Love is the fulfilling of the law.
And the preceding verse is significant:
“Thou shalt not commit adultery, Thou shalt not kill, Thou shalt not steal, Thou shalt not bear false witness, Thou shalt not covet...”
— Romans 13:9
Then:
“and if there be any other commandment, it is briefly comprehended in this saying, namely, Thou shalt love thy neighbour as thyself.”
— Romans 13:9
So Paul takes the commandments and says they are
“comprehended” in love, and then concludes that love
fulfills the law.
That is stronger than simply saying that love is the
moral essence behind a permanent collection of Mosaic commands.
2. The New Covenant introduces an actual “new commandment”
This is where I think the quoted paragraph misses something important.
Jesus doesn't merely say:
“The old commandments were always really about love.”
He says:
“A new commandment I give unto you, That ye love one another; as I have loved you, that ye also love one another.”
— John 13:34
And again:
“This is my commandment, That ye love one another, as I have loved you.”
— John 15:12
That qualification matters.
The standard is no longer merely:
love your neighbour as yourself
but:
love one another as I have loved you.
Jesus calls this
new.
And John later describes the Christian commandment in remarkably concentrated language:
“And this is his commandment, That we should believe on the name of his Son Jesus Christ, and love one another, as he gave us commandment.”
— 1 John 3:23
Notice the singular:
“this is his commandment.”
John doesn't say, “These are some of the commandments.”
He identifies the New Covenant commandment as
faith toward Christ and love toward one another.
That fits your “faith and love” emphasis considerably better than the paragraph's formulation.
3. “It was always one moral reality” is more difficult to establish from the NT
The paragraph says:
“Scripture never teaches that ‘there was only ever one commandment’ in the sense of a solitary precept.”
That's technically reasonable if we're talking about
the Mosaic covenant as a whole. Obviously Israel received many commandments.
But that isn't quite the question.
The more precise question is:
What commandment governs the Christian under the New Covenant?
And the NT repeatedly concentrates it into love.
Jesus:
“This is my commandment, That ye love one another...”
— John 15:12
Paul:
“For all the law is fulfilled in one word, even in this; Thou shalt love thy neighbour as thyself.”
— Galatians 5:14
James:
“If ye fulfil the royal law according to the scripture, Thou shalt love thy neighbour as thyself, ye do well.”
— James 2:8
Paul:
“Bear ye one another's burdens, and so fulfil the law of Christ.”
— Galatians 6:2
That last expression is particularly important:
“the law of Christ.”
Paul doesn't call it the law of Moses.
4. “The moral essence behind every command has always been love” isn't necessary to explain Cain
The paragraph says:
“Cain killed Abel because he lacked love... but that does not mean the Mosaic law never existed or that God gave only one command.”
That's true as far as it goes, but Cain doesn't actually prove the proposition being asserted.
Cain predates Moses. Therefore, Cain's murder of Abel demonstrates that
sin existed before the Mosaic Law.
John uses Cain precisely this way:
“Not as Cain, who was of that wicked one, and slew his brother... And wherefore slew he him? Because his own works were evil, and his brother's righteous.”
— 1 John 3:12
Then John draws the Christian application:
“For this is the message that ye heard from the beginning, that we should love one another.”
— 1 John 3:11
And:
“We know that we have passed from death unto life, because we love the brethren.”
— 1 John 3:14
Then:
“Whosoever hateth his brother is a murderer...”
— 1 John 3:15
So John's argument is fascinating.
He doesn't need to say:
“Cain violated the Mosaic commandment against murder.”
Cain lived before Moses.
Instead, John takes Cain's hatred/murder and contrasts it with the
New Covenant commandment to love the brethren.
5. The biggest issue: “love as fruit” versus “love as commandment”
The paragraph says:
“love is ... the proof of regeneration ... and the fruit of the Spirit's work”
That is certainly NT teaching.
But the paragraph seems to set up an unnecessary distinction:
love as commandment
versus
love as fruit of regeneration.
The NT puts those together.
Jesus gives the commandment:
“Love one another, as I have loved you.”
— John 15:12
Then the Spirit enables that life:
“the fruit of the Spirit is love...”
— Galatians 5:22
And Paul says:
“the love of God is shed abroad in our hearts by the Holy Ghost which is given unto us.”
— Romans 5:5
So the New Covenant isn't:
Here is another external law; now obey it.
Nor is it:
There is no commandment; love merely happens automatically.
It is:
Christ gives the commandment, and God's Spirit produces the love by which that commandment is fulfilled.
That is a very important NT pattern.
6. 2 Corinthians 3 gives us an important New Covenant contrast
Paul describes the old covenant as being:
“written and engraven in stones”
— 2 Corinthians 3:7
But then contrasts it with the New Covenant:
“written not with ink, but with the Spirit of the living God; not in tables of stone, but in fleshy tables of the heart.”
— 2 Corinthians 3:3
And Jeremiah's New Covenant prophecy, quoted in Hebrews, says:
“This is the covenant that I will make with the house of Israel... I will put my laws into their mind, and write them in their hearts.”
— Hebrews 8:10
Then Hebrews immediately says:
“In that he saith, A new covenant, he hath made the first old. Now that which decayeth and waxeth old is ready to vanish away.”
— Hebrews 8:13
So the NT itself gives us a covenantal transition.
Stone → heart
Old covenant → New covenant
Moses → Christ
letter → Spirit
And the concrete commandment Jesus gives to His disciples is
love one another as I have loved you.
7. This also explains Romans 13:8–10 differently
Paul says:
“Owe no man any thing, but to love one another: for he that loveth another hath fulfilled the law.”
— Romans 13:8
Then:
“Love worketh no ill to his neighbour: therefore love is the fulfilling of the law.”
— Romans 13:10
The present tense in verse 8 is important:
“to love one another.”
But the result is:
“hath fulfilled the law.”
That fits very naturally with your question about whether Paul is describing a Christian who is
fulfilling the Mosaic law by living under the New Covenant commandment of love, rather than suggesting that Christians remain under the Mosaic covenant and must continue keeping its individual commandments.
Paul can say the believer
fulfills the law without saying the believer is
under the law.
That's consistent with:
“ye are not under the law, but under grace.”
— Romans 6:14
And:
“if ye be led of the Spirit, ye are not under the law.”
— Galatians 5:18
Yet immediately after saying that, Paul says:
“For all the law is fulfilled in one word... Thou shalt love thy neighbour as thyself.”
— Galatians 5:14
That's a remarkable combination:
not under the law → Spirit-led → love → law fulfilled.
8. What I would change in the quoted paragraph
The statement:
“love is the summation of all God's commands”
is not necessarily wrong, but it can obscure the
New Covenant distinction.