I understand your opinion about that, but I follow what the Holy Scripture says. No need for your complex algebra. Also the Catholic doctrine of justification is not based on how precisely you translate μετανοια. Even though wearing a camel shirt and eating locusts in the desert looks like a good old Catholic penance to me, and that is what he who called Israel to penance did.
No, you do not "understand" that I told you exactly what the Holy Scripture says, and your interpretation does not. You must sustain your opinion against the plain sense of the language, else your whole house of cards will fall.
It's this simple:
Your position says that no matter what Jesus did in His life and on the Cross, it was not enough to secure God's friendship to those who surrender themselves to The Christ. You, personally, now have to make up the balance of the cost of heavenly passage by doing some good deeds, or lighting some candles, or inducing some personal discomfort like flailing yourself with a knotty whip, or by wearing scratchy underwear, or by eating watery gruel with bugs in it, or . . . or . . . or . . . what? What . . . utter nonsense!
People putting your phony interpretation to James' letter was the reason for so much infighting that at the time of inclusion in the canon, it almost didn't make it; for your interpretation of that passage flies in the face of Scripture from the beginning of the Tanach to the end of The Apocalypse!
No sale here, buddy!