The God you say you believe created all including the rules on how things work best for all, it's called justice. No one has to judge you, when you break the rules you dang well know it and your own spirit judges you. The problem you have is God says you can not work it off. Now that is your problem. What are you going to do. Continue to live being, I am my own boss God who are you to tell me what and how things work. Well totally your choice but that means you will have to pay the penalty for breaking the rules it requires your death and blood. The justice is taken care of and penalty for you breaking the rules is done. OR you can have someone else pay the penalty for you breaking the rules and someone has done that. No one is telling you anything enjoy your life now being your own boss and you can pay yourself for all your rule breaking.