Confessing to God with a humble heart ... essentially just "throwing yourself on God's mercy" as your only hope ... is itself the ultimate act of FAITH.
Hebrews 11:6 [NASB20] And without faith it is impossible to please [Him,] for the one who comes to God must believe that He exists, and that He proves to be One who rewards those who seek Him.
Luke 7:43-50 [NASB20]
Simon answered and said, "I assume the one for whom he canceled the greater debt." And He said to him, "You have judged correctly." And turning toward the woman, He said to Simon, "Do you see this woman? I entered your house; you gave Me no water for My feet, but she has wet My feet with her tears and wiped them with her hair. You gave Me no kiss; but she has not stopped kissing My feet since the time I came in. You did not anoint My head with oil, but she anointed My feet with perfume. For this reason I say to you, her sins, which are many, have been forgiven, for she loved much; but the one who is forgiven little, loves little." And He said to her, "Your sins have been forgiven." And then those who were reclining at the table with Him began saying to themselves, "Who is this man who even forgives sins?" And He said to the woman, "Your faith has saved you; go in peace."
Faith saved her (Jesus said so).
Her love, according to the parable told earlier, was the fruit of her debt having been canceled.
Once again, we see someone approach Jesus in UTTER HUMILITY (probably a friend of the Tax Collector) ;)
Luke 23:36-43 [NASB20]
The soldiers also ridiculed Him, coming up to Him, offering Him sour wine, and saying, "If You are the King of the Jews, save Yourself!" Now there was also an inscription above Him, "THIS IS THE KING OF THE JEWS." One of the criminals who were hanged there was hurling abuse at Him, saying, "Are You not the Christ? Save Yourself and us!" But the other responded, and rebuking him, said, "Do you not even fear God, since you are under the same sentence of condemnation? "And we indeed are suffering justly, for we are receiving what we deserve for our crimes; but this man has done nothing wrong." And he was saying, "Jesus, remember me when You come into Your kingdom!" And He said to him, "Truly I say to you, today you will be with Me in Paradise."
There is no innate merit in suffering for your own guilt.
However, when Christ was surrounded by the cries of mockers, one man dared to "stand" beside Him and speak the truth.
With literally nothing to offer but the testimony of his FAITH in Christ's MERCY ... the thief received it! (probably another friend of the Tax Collector) ;)
Respectfully, I see ALL salvation is humbly coming to Jesus in FAITH. Repentance and obeying commandments are the LOVE that flows from having been FORGIVEN MUCH ... maybe we are all "friends of that Tax Collector!" :)