Faith without works is dead.
Therefore those that imply only faith is needed must deny the very existance of that verse. And in order for this verse to be true faith must have been present at one time or else it couldnt die due to lack of works. We are to sow not just sit back and do nothing. If you sow nothing then you reap nothing. So to say one doesnt have to work at all once they are saved goes against Bible and Jesus teaching.
We are also warned against being luke warm christians as Christ said he would spew them from his mouth. He was speaking to Christians not non believers