If we can look at the Son of God dying a criminal's death upon the cross for US, and not be moved to serve Him in appreciation, then we are in sad shape indeed. Sorry about that. I believe God has penalties for disobedient believers. Some people think that at some point a believers disobedience will end up in condemnation in hell, which is not true. There is alot more to being a Christian that just getting to go to heaven.
Believers get to live the rest of their life on earth with a joy that is unspeakable.
Missing out on that unspeakable joy is a penalty for disobedience. Read what King David had to say about that penalty in Psalm 51. I don't mean to sound harsh, but I must be blunt. I think what you're missing is the scriptural teaching of the two natures. Nowhere does Paul ever tell us to be obedient to God to avoid punishment or hardship.