I totally understand why you are seeing it this way. The way that I see repentance is NOT (I'm capitalizing not to be rude, but just so you won't accidentally skip over it ????) waiting until the end of your life and then saying "I'm sorry, I love Jesus, now I'm saved and forgiven". The way I see it, repentance isn't an "I'm sorry" it's a changing of the way you behave because of a changing in the way that you think. let's say a child rapist is about to die, and says, "I'm sorry God, please forgive me", but doesn't mean it. Just saying that doesn't change anything. Now let's say a child rapist is having cancer, and he's expecting to die, and God opens his eyes. He now sees that he is an evil awful person who deserves to go to hell, but he also sees that Jesus, and only Jesus died for him. He sees that he doesn't deserve what is good and isn't "repenting", just to get out of having to go to hell (saying magical words doesn't get you out of Hell), but is whole-heartedly repenting, and turns his life around. Miraculously, the rapist doesn't die and is healed of his disease. He goes out into the world and never rapes another child. He gets baptized, confesses faith in Christ, and decides to live the rest of his life for Christ. He lives 25 more years, teaching others about Jesus and becomes a pastor or priest. In the end of his life, he still loves Jesus and dies.
I think the big difference here is how we see repentance.
"Repentance" (with quotes for sarcasm) is an "I'm sorry, I won't do that again", but goes on living his normal life.
Repentance (that being true repentance) is a complete change of mindset, and eventually your actions. In a nutshell, who they are.
Fake repentance is fake, just like fake religion in a fake God doesn't save anyone.
True repentence and true realization and total faith in Jesus and who he is is how we are saved.
I am about to get off of imgflip for tonight, but if you want to talk about this more tomorrow, I would love to :)