Christ is the one who came up with it; He actually spoke about the circumvention of God’s Law by introduction of ‘feel-good’ theology (no He did not word it in such terms).
You seem to believe that sinning is ok as long as it is done in the obscurity of the heart and mind–Jesus is of a different thought: ‘better to gauge out your eye, lose your right hand, your foot…’ than end up in hell. But you go ahead and supply your own requirements to God, I’m sure your codes will be just as holy for Him.
Maran atha!
Angel