Without the Holy Spirit, this is what faithfulness gets reduced to. When you remove our Creator from the center of our relationships with others, we no longer strive to exhibit His great faithfulness, but our own cheap "commitment."
The other part of our Bible study homework is to bring biblical instances of faithfulness. One of our grad students brought this one which helps reorient our minds to God's definition of faithfulness, which isn't cheap. Actually, it should strike holy fear in our hearts:
Know therefore that the LORD your God, He is God, the faithful God, who keeps His covenant and His lovingkindness to a thousandth generation with those who love Him and keep His commandments; but repays those who hate Him to their faces, to destroy them; He will not delay with him who hates Him, He will repay him to his face. Therefore, you shall keep the commandment and the statutes and the judgments which I am commanding you today, to do them. (Deuteronomy 7:9–11)