There’s a difference between punishment and things God has us do for sins we have done wrong, and the actions that spring from the Holy Spirit in our lives. All of us believe in “action” saving us; faith, in the Greek, is an active word. Trusting is an action word; it is a verb. Loving is an action word, it is a verb. These things, however, are not part of a prescribed physical act, such as what is required under the law. Hence, Jesus gives us a new way of looking that the commandments through the lens of Spirit and love, instead of letter.
Another aspect of this, is that I would never take credit for any actual work or doing that would be considered good by God, it would be to the credit of the Holy Spirit within. Only God is good and can truly do good. Our job is to yield. So, the Spirit works through us and guides us and our job is to hope, trust, love, etc… So we do action without working our way to Heaven.
As I’ve studied a wide variety of descriptions of the idea of faith or faith working in love, the different sides are actually much more in accord than is commonly believed by any side.