The Point is Charity - 1 Timothy 1:5

Now the end of the commandment is charity out of a pure heart, and of a good conscience, and of faith unfeigned

Paul told us that without charity we are nothing, and here, Paul tells Timothy that the whole point (of the commandments) is for us to have charity, and specifies prerequisites for obtaining it: a pure heart, a good conscience, and real faith.

A pure heart constitutes, not only pure thoughts, but pure intentions. A good conscience is one that is free from guilt; which is only possible via repentance and the atonement. Real faith is an abiding and active trust in God, insomuch that the recipient of faith will act immediately on any instruction received through the light of Christ (or conscience) and the Holy Ghost.

Note that Charity, when defined as the pure love of Christ has two complimentary meanings: 1. To love Christ, and 2. To have the same type of love as Christ. Remembering this, we may attempt to answer the question: Why is faith a prerequisite to charity? If faith is defined as trust in God, and charity is defined as the pure love of Christ; then it follows that one cannot truly love Him unless one trusts Him first.

Secondly, obtaining godly love (which I interpret to be an unconditional love of all creation, including all people) requires us to first trust that God's will will be done in all circumstances. Can I truly love my neighbor and my enemy? Perhaps only when I fully admit that 1. I am in as much need of God's grace as they are. and 2. no matter what they may decide to do, evil or otherwise; God is the ultimate judge and shaper of the destiny of men. Therefore, leaving judgment to God, I can still love my fellow man - even when I may not trust him - because I have trust in God to make all things right in the end.