If we try to obey without faith, we get nowhere. If we try to have faith without obedience, it ends in nothing.
We wonder why we don't have faith; the answer is, faith is confidence in the character of God and if we don't know what kind of God God is, we can't have faith.
People have faith in 'faith' and largely forget that our confidence is not in the power of faith but in the Person and work of the Savior, Jesus Christ.