Eph 2:8 For it is by grace you have been saved, through faith—and this not from yourselves, it is the gift of God— 9 not by works, so that no-one can boast.
Ro 10:9 That if you confess with your mouth, "Jesus is Lord," and believe in your heart that God raised him from the dead, you will be saved.
I don't know about Luther or the Catholics, but the word of God is pretty clear to me. These 2 verses say all. It doesn't take a theologian to figure them out. James was written to those already saved. They have salvation and he was telling them how to live it.
“In a time of deceit telling the truth is a revolutionary act.” ― George Orwell
It's not over when you lose. It's over when you quit.
