That's exactly how I felt when I was a Catholic. I, and maybe you too, was never self satisfied. I was ALWAYS afraid God was going to zap me.
If I had kicked the bucket at that time, God certainly WOULD have zapped me, not because of sin, but for refusing to accept His provision for sin. My opinion is, unbelief is the only sin God made no provision for.
Of course, we must define every term we use. "Faith" and "belief" mean something entirely different to you and I, than the terms mean to others, who will remain unnamed. 😀😆
Why an 'opinion'?
There are PLENTY of verses; printed in this very thread; that show the TRUTH of the matter.