I do not disagree, but - based on personal experience - scrupulosity is the bane of formal confession.
I'm not sure what a formal confession entails but I do believe that people's consciences work differently and many are harder on themselves than others are. For them, even private confession can be distressful, nerve-wracking.
Most Protestant religions don't have confessionals yet I've known many non-Catholics in my life and they are just as good folks as most Catholics, some better. My Dad included.
Just as an aside, how many, unknowingly, have confessed sins to a priest who was later found to have been abusing children? And does the average Catholic commit that despicable sin, or worse? I tend to think not.