Interesting post.I get what you are saying, and I believe it is a valid interpretation. However, I also think you might be reading a little into things. There may be an internal logic to Romans 10:8-13 that seems to make this section universal. At least most people who have taught this verse that I have read, teach it as a universal declaration. This may be wrong of course.
My problem is, again, there needs to be fruit from faith to have faith at all. Faith and fruit are not separate things but are like two sides of the same coin. Anyone who has faith that will pass the test of the parable of the sower must have feet to faith. To me, we have to be careful with Romans 10:9 because there are many in the Islamic World that teach that lying about your faith is totally fine to escape persecution. The need to declare faith publicly is overlooked. Despite the fact, that a common interpretation of the bible may prove such faith void at the Judgment.
The “fruit from faith” statement.
Am I assuming that you are posting that faith produces fruit or are you mixing fruit and works, for James links the results of true faith is works.
The declaration of true belief is the result of the changed core of the person. The declaration is not to gain that change.
There are some that will contend the opposit is the truth, but even the worldly understand that unless a person has a change of the very core then any results are not long lasting
This is one of the truths of the parable of the sower and seed.
In order to bear fruit, one must have the Holy Spirit which produces the fruit in which no human law can prevent.