Helaman 15:3

Yea, wo unto this people who are called the people of Nephi except they shall repent, when they shall see all these signs and wonders which shall be showed unto them; for behold, they have been a chosen people of the Lord; yea, the people of Nephi hath he loved, and also hath he chastened them; yea, in the days of their iniquities hath he chastened them because he loveth them.

Because God loves us, he does all he can short of taking away our agency to get us to repent and come to him. Ideally he sends us specific correction through personal revelation from the Holy Ghost.  To get us to the point where we can hear his voice through the Spirit, he may send general correction through his servants the prophets. When we don't listen to the prophets, he may send us correction through personal and general trials and afflictions. As I have said many times, not every trial is the result of sin, but unrepented sins will surely bring affliction of one kind or another. As I have also said before, afflictions are not punishments. They may be tests, opportunities to grow, or wake-up calls, but God is generally not in the punishment business. Eternal justice will deliver punishment. God's whole work is to try to save us from justice, if we will let him.

Helaman 14:30

And now remember, remember, my brethren, that whosoever perisheth, perisheth unto himself; and whosoever doeth iniquity, doeth it unto himself; for behold, ye are free; ye are permitted to act for yourselves; for behold, God hath given unto you a knowledge and he hath made you free.

We can earn our punishment, but we cannot earn our redemption. Redemption comes as a gift for which we qualify through repentance. Justice, on the other hand, will come upon us if God does nothing to stop it. We choose justice or mercy. Mercy is the result of Christ's atonement, which we must choose to accept. If we do not choose mercy, we get justice by default.

Helaman 14:28-29

And the angel said unto me that many shall see greater things than these, to the intent that they might believe that these signs and these wonders should come to pass upon all the face of this land, to the intent that there should be no cause for unbelief among the children of men—And this to the intent that whosoever will believe might be saved, and that whosoever will not believe, a righteous judgment might come upon them; and also if they are condemned they bring upon themselves their own condemnation.

In the final day, everyone will have enough evidence that they cannot logically dispute the truth of God's existence. Nevertheless, they will still have the opportunity to choose to come to him in repentance or turn their backs on him in rebellion. He will leave no doubt of his reality, but he will never force us to follow him. Agency is absolutely fundamental to God's kingdom and an eternal principle he cannot and will not violate, even if it means losing some of his children.

Helaman 13:38

But behold, your days of probation are past; ye have procrastinated the day of your salvation until it is everlastingly too late, and your destruction is made sure; yea, for ye have sought all the days of your lives for that which ye could not obtain; and ye have sought for happiness in doing iniquity, which thing is contrary to the nature of that righteousness which is in our great and Eternal Head.

Christ offers the grace of his atonement to all, but he does not offer it forever. It is free, but it is not without terms and conditions. A condition of redemption is that we must repent before it is too late. Only God knows the statute of limitations on repentance for each of us. We must repent before we find ourselves in the situation where a prophet tells us it is too late. If we repent continuously, we need not worry. But if we put off repentance when we know it is needed, we play a very dangerous game, a game with eternal consequences.

Helaman 13:19

For I will, saith the Lord, that they shall hide up their treasures unto me; and cursed be 
they who hide not up their treasures unto me; for none hideth up their treasures unto me save it be the righteous; and he that hideth not up his treasures unto me, cursed is he, and also the treasure, and none shall redeem it because of the curse of the land.

Many ways exist nowadays to hide up treasures. We don't bury our money anymore. We hide it in off shore accounts and shelter it in tax write-offs. We put it in stocks, bonds, and various investment instruments. Nevertheless, we have seen that, by depressions, recessions, and bursting bubbles, the Lord has many ways to separate us from our treasures. God is in charge of all things, including money. We may think we earn it and own it, but it is really the Lord's, just like everything else on this earth is his. He can give it, and he can take it away as suits his purpose. We ought to worry less about money and more about obedience to God. When we are faithful, we will have all we need.

Helaman 13:11

But if ye will repent and return unto the Lord your God I will turn away mine anger, saith the Lord; yea, thus saith the Lord, blessed are they who will repent and turn unto me, but wo unto him that repenteth not.

Because of Christ's atonement, we are not condemned for our sins directly. We all make mistakes and fall short of the mark. It us not our sins per se, but our attitude towards them and what we do about them, that make the difference. We are blessed when we repent, meaning we are in a state of blessedness. Christ forgives us, heals us, and strengths us to do better when we repent. But if we do not repent, he cannot help us. Then we are in a state of wretchedness, and we drink the gall of bitterness, which is a brew we manufacture for ourselves.

Helaman 13:8

Therefore, thus saith the Lord: Because of the hardness of the hearts of the people of the Nephites, except they repent I will take away my word from them, and I will withdraw my Spirit from them, and I will suffer them no longer, and I will turn the hearts of their brethren against them.

“Repentance means more than simply a reformation of behavior. Many men and women in the world demonstrate great will-power and self-discipline in overcoming bad habits and the weaknesses of the flesh. Yet at the same time they give no thought to the Master, sometimes even openly rejecting Him. Such changes of behavior, even if in a positive direction, do not constitute true repentance. …

“… True repentance is based on and flows from faith in the Lord Jesus Christ. There is no other way. True repentance involves a change of heart and not just a change of behavior (see Alma 5:13)” (The Teachings of Ezra Taft Benson 1988, 71).