God's mercy is subject to a paradox much like earthly charity: if someone who attempts to live prudently and make preparation for things that might go wrong, gets caught by misfortune beyond what he could reasonably have anticipated, the granting of assistance to such a person may benefit both the giver and recipient. On the other hand, an expectation that relief will be available in case of calamity, thus obviating any need to prepare oneself, is highly toxic. The ideal behavior for an earthly charity would often be to prioritize relief based upon the extent to which people strive to avoid needing it. Earthly charities often find it hard to measure such things, but God will not. Those who seek to avoid needing his forgiveness while recognizing that their efforts may be insufficient, will receive it; those who expect to rely upon it his forgiveness unless or until they realize such reliance as being a major sin in and of itself.
Are these your observations and musings or do you have some Scriptures to offer to point to them?