What you are saying sounds right at first, but it only holds part of the truth and leaves out what both James and Jesus clearly teach.
James is not speaking about simple actions that only show what someone believes. He is speaking about a life that obeys God, and he makes that clear by pointing directly to the commandments themselves.
James says, “For whosoever shall keep the whole law, and yet stumble in one point, he is become guilty of all. For he that said, Do not commit adultery, said also, Do not kill… So speak ye, and so do, as men that are to be judged by a law of liberty.” (James 2:10–12 ASV). Here he is not talking about general actions or expressions of belief. He is pointing to God’s law and showing that our lives are judged by it.
Don't confuse the concepts of "keep" and "obey". We use the terms interchangeably, but they are distinct concepts in the Bible. To "obey" the law is to do what it says; to "keep" the law is to value, cherish, and protect it. When James says "whosoever shall
keep the whole law, and yet stumble in one point" he is talking to people who value and cherish the entire law, but stumble at one point.
James is speaking into a culture that claims to value and cherish the Law of God, on the one hand, but acts as if the Law doesn't condemn them on the other hand. They believe themselves to be better or different from other men. They pay special attention to those who wear rich clothing but ignore the poor.
James knows what Paul also knows, that the Law speaks to those who are under the law, "so that every mouth may be closed and all the world may become accountable to God." Romans 3:19-20
Not only this, but Jesus tells a parable about a Pharisee and a Tax Gatherer to make the same point. The Pharisee thought he was better than other men. But the Tax Gatherer was on his knees repenting of his sins and asking God for mercy. In other words, all men are equally condemned by the Law.
James refers to the two commandments to love God and love our neighbor as the Royal Law. Therefore, when he says that faith without works is dead, he means that a claim to faith is empty unless it acts in accordance with the Royal law. He argues that a man who refuses to help his poor brother with resources that will sustain his life, that man's claim to believe God is suspect.
James is challenging the Pharisaical mindset that uses religion to satisfy its need for brotherhood, belonging, and approval. Jesus claims that they didn't believe him because they were seeking glory from other men rather than God. But in order to maintain the presumption of "righteousness" they changed the meaning of the Law in order to make it more "doable."
How did the Pharisees claim to believe God yet act contrary to that belief? They redefined terms. God commanded Israel to love their neighbor as themselves. In order to make it easier to obey, the Pharisees redefined "neighbor" to refer to another member of the brotherhood. They asked Jesus, "who is my neighbor?"
Then he says, “Even so faith, if it have not works, is dead in itself.” (James 2:17 ASV). This is not about faith lacking visible expression only, but about faith that does not obey. A faith that does not follow God is a dead faith.
It depends on what you mean by "follow God." Following God looks different in different contexts. The sons of Israel were commanded to follow God in a unique and special way. Obeying the Law of Moses, outwardly marked a member of the people of God during the Old Covenant. During the New Covenant, the people of God are marked inwardly.
He continues with Abraham and says, “Was not Abraham our father justified by works…? Thou seest that faith wrought with his works, and by works was faith made perfect.” (James 2:21–22 ASV). Abraham did not simply show what he believed. He obeyed what God told him to do, and through that obedience his faith was made complete.
That's my point. Abraham only had a handful of commands to obey: leave your home, sacrifice your son, etc. God didn't require Abraham's father to leave home or sacrifice his son. God's commands to Abraham were unique for him. Likewise, God's commands for Israel were unique to them.
When we listen to Jesus, the meaning becomes even clearer. He never separated belief from obedience. He said, “If ye love me, ye will keep my commandments.” (John 14:15 ASV). He also said, “If thou wouldest enter into life, keep the commandments.” (Matthew 19:17 ASV). And again, “Not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father.” (Matthew 7:21 ASV). These words are simple and direct. To believe Him is to follow Him, and to follow Him is to obey.
Again, the issue is the distinction between "keeping" a commandment and "doing" a commandment in light of Jesus' teaching. In the Sermon on the Mount Jesus taught the people to draw a distinction between self-righteousness and actual righteousness, using a formulaic speech structure. He repeated the phrases: "You have heard it said . . . but I tell you."
When Jesus speaks about "keeping" his commandments, he teaches his disciples to internalize the commandments and to think in terms of principles rather than rules. When He says
“keep my commandments,” He is not training rule‑followers; He is training people whose
inner life has been reshaped so that the commandments become the natural expression of who they are. Jesus is not saying, “Follow these rules.”He is saying, “Let my words become the operating system of your heart.”
“
Love one another as I have loved you.”
That’s not a rule; that’s a pattern, a principle, a way of being.
The example of forgiveness actually confirms this. Jesus said, “For if ye forgive men their trespasses, your heavenly Father will also forgive you. But if ye forgive not men… neither will your Father forgive your trespasses.” (Matthew 6:14–15 ASV). Forgiving others is not just an action that shows belief. It is something Jesus commanded, and obeying it is required.
Again, Jesus is not giving us rules to obey. He is giving us the reasons behind the rules. He is training his disciples to learn WHY God commands what he does.
For instance, God commands that a person build a parapet around his roof. Why? Is it that God is really into parapets? No. Rather, God values human life, which is why the parapets are necessary. If all we did was obey the rules, we might live an entire lifetime never thinking about what God values.
A father tells his son not to swing the baseball bat in the house. The underlying principle behind the rule is the value of life and property. But suppose there was a fire in the house, would the Father get angry or upset if the son used the baseball bat to break a window and escape the fire?
Peter asked Jesus about forgiveness, whether he should forgive his brother 7 times. He was attempting to quantify the rule. How many times must I forgive my brother in order to say that I have obeyed the rule? In Jesus view, we need to forgive our brother seventy times seven, which is not to say there is a limit to our forgiveness. He exaggerates to make another point.
Jesus is asking Peter, and us, to not only forgive our brother, but to WANT TO forgive our brother. Faith is what takes obedience beyond compliance. Faith says, I want to forgive my brother because I want forgiveness to be a part of my reality. I want to forgive others because I know that I need forgiveness from God.
So, James is not separating works from the commandments. He is showing that true faith lives in obedience to God. Faith and works are not two different paths. Faith believes God, and works follow Him. When someone truly believes, they do what He says. When they do not, their faith is empty.
You cannot remove the commandments and still keep the meaning of James. Without obedience, works become just human actions. But with Jesus, works become obedience to His words, and that is the path that leads to life.
I agree. However, it makes sense to focus on the commandments James mentions.