That's the first thing you have said that I agree with you on in awhile. Now, let's continue. Read the preceding verse. You will note that WE are to work out our salvation by HEEDING to the One who works within us. Remember, once we are regenerated, we no longer are "worthless" and can do no good. Now, in Christ, we CAN do good. And thus, we will be judged. Your way has God being judged and has God creating evil and sin. Something happens at regeneration to the inner man. He has changed. Don't you realize that? Doesn't this verse tell us ANOTHER principle is within us, guiding us, moving us to do His will - but without forcing us to do it? If God forced us, there would be no point in the preceding verse that you leave out.
It would just say, "lay back and count your blessings, you just won the lottery."
Regards
Reformed theology 101.