IMO it is based on fear and distrust. Some folks simply fail to grasp the fact that God is all-loving and completely trust worthy.
Been there.
Seen it, done it and bought the t-shirt (as we say over here)
Waiting for the 3 strikes and you are out.
Still struggle with it at times if I'm honest.
But to live in this constant fear and guilt just wears you down.
Makes you emotionally knackered and spiritually knackered.
But I say that this fewer and distrust must come from somewhere.
For me it comes from one four letter word. LOVE
Our understanding of love and experience of love and acceptance can and does shape our lives.
As a person who concept of love was shattered by life and teaching I was totally torn apart and broken when one day I was laid up with a back problem.
God asked me to spend some time with him.
I refused a few times (old frame of mind) as I was waiting for the third strike.
I could not come before God because my fear and guilt and condemnation overcame me.
Anyway I did open my Bible at Romans 5 as I felt led to.
Now that was a Biggie for me because it talks about peace.
I read it before and I did not have that peace.
I thought peace was no anxiety.
As I researched that I came to realise that the peace means no more war.
We have peace with God, no emnity as a result of sin.
So fast forward.
One verse led to the next and the next.
Starting with adultress women.
I ended up with
John 17:23
23 I am in them and you are in me. May they experience such perfect unity that the world will know that you sent me and that you love them as much as you love me.
Wow God loves me as much as he loves Jesus.
That's the same love from John 3:16.
It was like a silver bullet was shot into my heart with that verse on it.
It breaks my heart that many belivers that I say that to who are struggling totally reject it.
I have even had some say "Not true for me yet for others yes"
I then ask why.
Response is "Im not good enough"
It does not surprise me because I was that person and have to fight against that person.
It breaks my heart that people do not truly know the love God has for them and try to earn it.
We can't earn acceptance but if we know it we can walk in it.