Friend, I believe this seems this way to you for perhaps, two reasons. While I can't read your mind, I put them out there for your thought:
1. Not differentiating between the saved and unsaved in regards to repentance.2. Not understanding exactly what salvation means.
The unsaved - I believe - cannot come to saving faith while refusing to repent of sin.
The saved have done this already and now have an entirely different kind of relationship with the Father. They are now "in Christ", "sons of God," "seated in the heavenlies with Christ," "sealed with the Holy Spirit as a pledge," and declared righteous in Him.
Repentance now for the saved is all about fellowship and not salvation.
So if a person — once “saved”, as you would put it, sometime in the past— dies in final impenitence and defiance against God, he does not lose salvation but loses fellowship?
How does that work?