The Christian God incentivizes the wrong things

[Rampant.A.I.]

Repentance is followed by regeneration not continued sin.

Yeah, but it's still possible to sin, repent, and then sin again, even if you had no intention to do so at the time of repentance. My premise doesn't require the person to plan on sinning. Part of Christian doctrine is that you will keep on sinning. You just need to be contrite.

That being said, you can do some terrible things multiple times in there and still get to heaven, so long as you say the right magic words. If, however, you do mostly good things, don't do anything too atrocious, and neglect to say those magic words... it's off to hell!

The actual punishment and reward system has nothing to do with moral or immoral acts; it has to do with swearing the proper oath of fealty and that is it.

Secondly, intellectual understanding fails without a change of heart which happens at a higher level than mere belief.

I'm not sure what this means.

I'll tell you exactly what it means: