If you live a good, moral life, you'll end up where you're supposed to.
In that, you are saying that you can "do good" yourself into heaven. If that is the case then Jesus died for nothing.
In reality, there are none who can merit going to heaven without Jesus' righteousness imparted upon us None! It's the work of the cross not our own good works. No matter what you (or I) do, we will never be good enough to go.
That part of Christian doctrine troubles me. A Buddhist monk who has done no harm to anyone or anything in his lifetime, and who has lived a virtuous life, goes to eternal torment upon death, but a sleazeball small-town politician or thieving businessman who has screwed people over all of his adult life gets to go to heaven, just because he was a deacon in church for the connections it gave him?
What about mentally ill people who, through no fault of their own, can't attend church or understand it? Schizophrenics, agoraphobics, people with social anxiety disorders, people with severe learning disabilities. They are tossed into the lake of fire because they were unlucky enough to have malfunctioning brains?
It all seems very unfair and arbitrary.
God gives everyone a fair shake. There will be lots if LD adults in heaven that will have an IQ unencombered by the childhood vaccines or drugs their parents took. I can prove from the Bible that the children who left this world at no fault of their own were shown mercy beyond belief. God seems unfair to you because you haven't talken time to get to know the God of the Bible.
IF you, y-o-u want to be judged by the standard of your morality, He will when that day comes. If I got what I deserved, I would be in hell right now. He will let you choose mercy and forgiveness instead IF that's what you want. However, it's on His terms. It's described in His Word. If you don't want that, He will let you hold onto your self righteousness too. It's all a matter of your choice. Are you as righteous as Jesus?
"As it is written, there is none righteous, no not one.... For all have sinned and come short of the glory of God." Romans 3
"For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord." 6:23
"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God: Not of works, lest any man should boast." Ephesians 2:8-9
