@MoreCoffee, it appears that you base your idea on only one verse. What if there are other verses that seem to contradict your verse? What do you do then?
For example, there are Ephesians 2:8-9, Galatians 3:24-26, and Romans 3:20-22:
Eph 2:8 For by grace are ye saved through faith; and that not of yourselves: it is the gift of God:
Eph 2:9 Not of works, lest any man should boast.
Gal 3:24 Wherefore the law was our schoolmaster to bring us unto Christ, that we might be justified by faith.
Gal 3:25 But after that faith is come, we are no longer under a schoolmaster.
Gal 3:26 For ye are all the children of God by faith in Christ Jesus.
Rom 3:20 Therefore by the deeds of the law there shall no flesh be justified in his sight: for by the law is the knowledge of sin.
Rom 3:21 But now the righteousness of God without the law is manifested, being witnessed by the law and the prophets;
Rom 3:22 Even the righteousness of God which is by faith of Jesus Christ unto all and upon all them that believe: for there is no difference....
So, now, how can we settle the difference between James and Paul? Upon further study, we cannot have contradictions in Scripture because it is all God's Word.
However, we can discern that James and Paul define the word "faith" differently.
James defines "faith" as having head knowledge of God but no genuine commitment to following God's will. He's right that that kind of "faith" will not save a person.
On the other hand, Paul includes under the meaning of "faith" the works that result from it. We aren't saved by any good deeds, as he says in Ephesians 2:8-9, but he follows that statement with verse 10, which says that works are the inevitable result of God's saving us only by faith: "For we are his workmanship, created in Christ Jesus unto good works, which God hath before ordained that we should walk in them."
Therefore, James and Paul actually agree. Paul is battling the legalists, while James disagrees with people's intellectual assent alone being enough to be saved.