"Faith without works" — the latter understood as acts consistent with God's moral law — "is dead." (So says James, 2:20.)
People can always find excuses to do what they want to anyway. But they will be held to account for this. If not in "this" world, then in the "next."
Of course, you don't have to worry about this, do you, A_perfect_lady? You obviate the entire problem by denying a "next" world altogether.
And if the world does not have a "beyond," you'll be "safe" from such an accounting; i.e., for thoughts and deeds you commit in this one.
Good luck!
And you don’t have to worry either, about ever having to realize you lived more of your life in a fantasy world than in the real one. Because when you’re dead, you’re dead. You’re gone. You’re not lying there in your coffin thinking “Well, THIS sucks!” So live in whatever world you want to construct. Like the lady who thinks the celebrity sent her a message just the other day, by wearing certain shoes in the paparazzi photo, it all makes sense to her. The evidence is there if you just look at it right. He really does love her! Sure! As long as she doesn’t do anything to me, I don’t care.