Many people have a mistaken idea that, because God loves them, they can do as they wish with their lives and plead for mercy later through demands that "love conquers all". This concept of laziness flies in the face of God's work to develop us into people who can become like himself.
"Then Peter opened his mouth, and said, Of a truth I perceive that God is no respecter of persons: But in every nation he that feareth him, and worketh righteousness, is accepted with him." - Acts 10:34-35
God is not a respecter of persons. He must judge us in an impartial way and he cannot make special exceptions for anyone. All must be judged by the same set of rules - this is the nature of justice. Also, God cannot abdicate his role as judge because he loves you - he will not throw aside required repentance and growth through appeals to his love.
Under earthly circumstances, a judge with a close personal relationship with the litigants would have to recuse themselves. God can't do that as he has a close and personal relationship with all of us as our Father and there can be no other judge put on the case.
That is one reason why Christ was sent by God the Father to open the way for mercy under condition of repentance. God can still be loving through Christ where he must also be a "no respecter of persons" judge. This is why Christ is referenced as "Love" in many writings - He is the manifestation of God's love where the Father must be the impartial Judge who cannot recuse himself.
Mercy has already been offered through the works of Christ - you and I cannot appeal to some further mercy or love after the fact when we are brought before God for judgement. We must obey and repent during our mortal lives, as stipulated by Christ, if we desire a pleasant conclusion. There will be no "throwing yourself on the mercy of the court" in the end - such mercy was extended beforehand and has to be worked out prior to your appearance before "the bench".
Please don't think that you or I can ignore Christ's offer of mercy now and still access it in the hereafter - now is the time to repent, not later.