Think of a home mortgage with a balloon payment. The home is legally yours, there is some value but when the final payment is due, the remaining total must be paid. We will all fall short at the end, an inch or a mile makes no difference. God calls us in our free will to accept His gift of salvation - that is what HE wants. He did not create robots to act as programmed.
Blessings to you.
And I LOVE the old Hymns as well.