Peter and James call people who don't get what Paul says "fools", "ignorant", "insane". See 2 Peter 3:16, 17, and James 2:14, 17, 20, 22, and 24.
Here James says that a person is born of God by the word of truth:
"Of his own will begat he us with the word of truth, that we should be a kind of firstfruits of his creatures" (Jas.1:18).
I do not understand how anyone would dare assert that it takes something other than faith in the word of truth in order to be born of God. And here we see that Peter tells us how a person is born again, and it matches what James said:
"Being born again, not of corruptible seed, but of incorruptible, by the word of God...And this is the word which by the gospel is preached unto you" (1 Pet.1:23,25).
Do you want to explain to me why people are called FOOLS, IGNORANT, and INSANE?
You are a fool for the same reason why Paul called some fools because, like you, they thought that they must do things other than believe in order to be made perfect:
"O foolish Galatians, who hath bewitched you, that ye should not obey the truth, before whose eyes Jesus Christ hath been evidently set forth, crucified among you? This only would I learn of you, Received ye the Spirit by the works of the law, or by the hearing of faith? Are ye so foolish? having begun in the Spirit, are ye now made perfect by the flesh?" (Gal.3:1-3).
The sad thing about you is that you have been shown these things more than once. Therefore you will have no excuse for denying the "gospel of grace" in the day when God shall judge the secrets of men by Jesus Christ according to that gospel.