Only God’s sacrifice can pay the penalty of sin. Nothing else.
But Scripture simply doesn't say this. God … will repay each person according to what they have done.” Not what they believe.
Try this – instead of trying to reconcile your “faith alone” belief to Scripture, start with Scripture. Start with James, just for fun. James shows how useless it is to wish someone well without actually helping them, illustrating this by pointing to the cases of Abraham and Rahab. He then forthrightly states: "Do you want to be shown … that faith apart from works is barren?"
“You foolish person, do you want evidence that faith without deeds is useless? Was not our father Abraham considered righteous for what he did when he offered his son Isaac on the altar? You see that his faith and his actions were working together, and his faith was made complete by what he did. And the scripture was fulfilled that says, “Abraham believed God, and it was credited to him as righteousness,” and he was called God’s friend. You see that a person is considered righteous by what they do and not by faith alone. In the same way, was not even Rahab the prostitute considered righteous for what she did when she gave lodging to the spies and sent them off in a different direction? As the body without the spirit is dead, so faith without deeds is dead. In the same way, was not even Rahab the prostitute considered righteous for what she did when she gave lodging to the spies and sent them off in a different direction? As the body without the spirit is dead, so faith without deeds is dead. James 2:20-26
"Whoever thinks he is standing secure should take care not to fall" (1 Cor. 10:11–12).
You indeed might just be saved: “Who gave himself for our sins, that he might deliver us from this present evil world, according to the will of God and our Father: Galatians 1:4
And only IF you remain in his kindness. "See, then, the kindness and severity of God: severity toward those who fell, but God’s kindness to you, provided you remain in his kindness, otherwise you too will be cut off" Rom. 11:22–23
And only IF you endure: Here is a trustworthy saying: If we died with him, we will also live with him; if we endure, we will also reign with him. (2 Tim. 2:11–12).
And only IF you stand firm: [Jesus said] “All men will hate you because of me, but he who stands firm to the end will be saved.” Mark 13:13
And only IF you do what God wants: “God “will repay each person according to what they have done.” To those who by persistence in doing good seek glory, honor and immortality, he will give eternal life. But for those who are self-seeking and who reject the truth and follow evil, there will be wrath and anger. (Rom. 2:6–8).
Clearly, what you do is rewarded by God. Like Paul, you must be ‘working out my salvation in fear and trembling’ (Phil. 2:12), knowing that it is God’s gift of Grace that is working in you.
I have to leave in a moment, but a quick response: Colossians 1:21-22: “And you which were in past times strangers and enemies, because your minds were set in evil works, hath he now also reconciled. In that body of his flesh, through death, to make you holy and unblameable, and without fault in his sight.” That is but one verse where it is made clear that justification occurs once. “Reconciled” is past tense - not future, not present progressive. Christ’s death has made us without fault - because of Christ’s sacrifice, not because of anything we have done or can do or will do. The warnings not to fall away in Scripture I can address later in full context but because of time constraints cannot do so now. I hope, however, that this thread can continue to be peaceful and not become acrimonious. Best to you.
Now how did I know this was your work after just reading the first sentence?