Part of the reason, and here I am speaking outside of my own depth, but relating what can be found in other discussions:
What are we to understand about James 22:24:
James 2:24 (NASB)
You see that a man is justified by works and not by faith alone
This is not really the issue I have been talking about, because It implies that works is required in the newly saved person addition to Grace and Faith, where I was just trying to make the point that the Faith that we all seem to agree is necessary will be generated as a response in the new believer to the witness of another believer (faith comes by hearing...) , and thus it is not a further requirement, just another level of understanding relating to the Faith component. It is important to me because many seem to react to any person of faith working hard as an indication that they are trying to earn their way into heaven, while I think more of the fields being white for harvest, while the workers are too few.
But I digress…
The discussions I referred to often center upon the word translated as “alone”. That word my ESV interlinear is μόνον. Going farther out of my depth I will relate that Strongs identifies that as an adverb, and thus inappropriate to use to modify a noun (i.e. Faith). Here the discussion gets beyond my ability to understand.
Regardless, if one insists on Grace alone thru Faith alone, one should be able to give some explanation of James 2:24.
My own belief, which I am not putting forward as THE CORRECT understanding is that this section is not so much about the actual saving of a man, but the perfection his walk with God, and how his nature can be made evident to those around (a tree is known by its fruit)