God gives us a final choice between accepting Him or rejecting Him. How does He do that? The answer is myste rious to us. You will note many deathbed conversions, which are the type of thing I’m talking about. And many believe that, after we die, we will have one final opportunity to repent.
If we repent, even at the last possible second, then our sins are washed clean. To say that we can repent at the last possible second is precisely to say that we will have a final decision whether to reject God, no matter what.
(Perhaps we will not know that this is our last decision, however. So it is VERY unwise to move through life planning on repenting later.)