Your reading of the Bible makes faith impossible.
(Now faith is the assurance of things hoped for, the conviction of things not seen.) Hebrews 11:1
Faith is the assurance of receiving what you hope for through Jesus. Jesus, is our hope because of what He offers, salvation.
This is reiterated 5 verses later.
(And without faith it is impossible to please him, for whoever would draw near to God must believe that he exists and that he rewards those who seek him.) Hebrews 11:6
To draw near to Him, you must believe He will reward you if you seek Him. To have assurance of that reward from Jesus.
I talk to many catholics and protestants. Many protestants, not all, can attest to having full faith/assurance of receiving the Hope, Jesus. They often point to 1 John 5:13 to back up that position.
(I write these things to you who believe in the name of the Son of God, that you may know that you have eternal life.)
They trust in Jesus and trust that they have eternal life through Him. The catholics call this presumption, the Bible calls it faith.
The catholics have anathematized this faith by saying
"If anyone says that in order to obtain the remission of sins it is necessary for every man to believe with certainty and without any hesitation arising from his own weakness and indisposition that his sins are forgiven him, let him be anathema."
The Catholic Church historically teaches that, while a believer can have a "moral hope" in God's mercy, claiming absolute, infallible certainty of one's own final salvation is considered the sin of presumption.
These statements are sinful and make one devoid of the faith in Christ the Bible calls for. As Hebrews 11:1 says (Now faith is the assurance of things hoped for)
We are called to go beyond hope to the assurance of that hope. To truly trust in Jesus alone for salvation.
Today, the results are telling. Protestants have the assurance of things hoped for. Catholic have no assurance of things hoped for. Its all "maybe" or "if." They die hoping they will go to heaven, and that hope is still not faith. They are looking to their weakness or works instead of to Christ.
Many will stand before God and say "did we not do this work and that work" trying to justify themselves by works. Some protestants wouldn't do that, we don't believe works play any role in our salvation. However, catholics would proclaim such things to God since you do teach works justify.
God would not lay half your sins on Jesus and make Him suffer for them. He completes you. He doesn't go halfway.
(And I am sure of this, that he who began a good work in you will bring it to completion at the day of Jesus Christ.) Philippians 1:6
Your understanding of some Bible verses undermine legitimate faith, so you will not be saved.