Well, true believers (at least Christians) know that forgiveness will NOT be provided by God without true repentance - that unless we really are dead set on becoming better people, forgiveness will not be provided. Atheists may suffer consequences - but in many occasions - there are no consequences for acts. (A man commits adultery and makes sure his wife never finds out.) And for many atheists, the consequences may be pleasurable or nice, even though acts committed are grave sins for religious people. Stalin (an atheist) caused the murder of millions - yet became the powerful and revered head of his country. The consequences for him were not so bad. A Christian, in contrast, knows that the consequences in the next world will be grave for such actions, if not repented.
You are under the mistaken belief that getting caught is the only consequence. Living with the FEAR of getting caught is a consequence. The lost time, the "living a lie" and self-loathing are all consequences.
See, you are concerned about the consequenses in an after-life, I'm concerned about the ones in this life. An afterlife, should there be one, will take care of itself.