Why do works of charity not produce faith???
Depends on what faith you are talking about.
There are wonderful people all around the world who are not Christians who do good works and acts of charity.
There are clearly defined attributes of a cult versus healthy mainstream churches. You cannot lump them all together. The personal responsibilty comes from making the decision to accept the entirly free gift of life from Jesus. Romans 5:18 Therefore as by the offence of one judgment came upon all men to condemnation; even so by the righteousness of one the free gift came upon all men unto justification of life.
When one recieves this free gift it is not us but God by the power of the Holy Spirit that guides us to acts of charity. Philippians 1:6 being confident of this very thing, that he who began a good work in you will perfect it until the day of Jesus Christ.
Again, if there was anything at all that we could have done to earn, deserve or work for salvation, Jesus would not have had to die. We could have worked our way via good deeds to a relationship with God.
The unconditional love of God is what moves a truly converted soul to acts of kindness and good works. It is the indwelling of the Holy Spirit that guides us as to what to do with ourselves, and how to serve God by serving mankind.