This is the way the Father planned it. He is molding us to become more and more like Jesus who walked in total forgiveness and obedience.
If you accept His forgiveness but refuse to obey His word, you really can't say you love Him. He has given us the ability to obey His commands through the Holy Spirit.
It takes faith in God and His grace to believe we are saved and that there is nothing that we can do with our hands that can do this. Our works, no matter how good, can not save us. Without faith it is impossible to please God.