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And since the wages of sin is death, any other payment given to try to apprehend forgiveness is not going to work.

No, there are no "other payments" of forgiveness other than confession AND penance.

Conversely though, The wages of sin ARE NOT DEATH if I am saved in your way and sin has no consequence for me any further.
If works prove nothing toward Salvation - then they also cannot contribute to one's damnation as well- so as the man said... you are free to sin, sin away..

If sin was so unimportant for our salvation- why would The New Testament spend TWICE as much ink talking about sin than it does Salvation.

It is not right to think one is saved once and for all... immune from sin...
Christ has said otherwise...

Confession is NOT a payment for sin.

Penance is not payment for sin, but rather is a Catholic construct to make people feel like they are doing something positive to procure salvation. We can’t. We can do nothing to add to the finished work of Christ on the cross.

If His sacrifice is adequate, then we can add nothing to it to complete it or enhance it.

If His sacrifice needs our involvement by works, then it wasn’t adequate in and of itself. And if the work of the sinless Son of God is not enough to save someone, then no sin stained and corrupted works of ours added to it can help.

Is there something about a guarantee of our inheritance that you do not understand? The Holy Spirit is our deposit, GUARANTEEING our inheritance, God’s words not ours.

If he said it, I am not going to call Him a liar and argue against it. I will simply trust what He said to be the case.

No, there are no "other payments" of forgiveness other than confession AND penance.

And if you don't believe it; just ask JESUS!!!

John 6:25-40

²⁵When they found him on the other side of the lake, they asked him, “Rabbi, when did you get here?”

²⁶Jesus answered, “Very truly I tell you, you are looking for me, not because you saw the signs I performed but because you ate the loaves and had your fill. ²⁷Do not work for food that spoils, but for food that endures to eternal life, which the Son of Man will give you. For on him God the Father has placed his seal of approval.”

²⁸Then they asked him, “What must we do to do the works God requires?”

²⁹Jesus answered, “The work of God is this: to believe in the one he has sent.”

³⁰So they asked him, “What sign then will you give that we may see it and believe you? What will you do? ³¹Our ancestors ate the manna in the wilderness; as it is written: ‘He gave them bread from heaven to eat.’^[c]”

³²Jesus said to them, “Very truly I tell you, it is not Moses who has given you the bread from heaven, but it is my Father who gives you the true bread from heaven. ³³For the bread of God is the bread that comes down from heaven and gives life to the world.”

³⁴“Sir,” they said, “always give us this bread.”

³⁵Then Jesus declared, “I am the bread of life. Whoever comes to me will never go hungry, and whoever believes in me will never be thirsty. ³⁶But as I told you, you have seen me and still you do not believe. ³⁷All those the Father gives me will come to me, and whoever comes to me I will never drive away. ³⁸For I have come down from heaven not to do my will but to do the will of him who sent me. ³⁹And this is the will of him who sent me, that I shall lose none of all those he has given me, but raise them up at the last day. ⁴⁰For my Father’s will is that everyone who looks to the Son and believes in him shall have eternal life, and I will raise them up at the last day.”