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Us: "G-d, My sins are so heavy. No matter how hard I try and can't be righteous; I can't do what you have asked me to do. I don't seem capable of it."
G-d: "I know. I saved you anyways. I see your sin. They were nailed to the cross. I know you cant be good enough to earn my favor, So came as Yeshua to show you that my love is greater than you sin. Your sin put me on the cross, so be done with it."
Moralism is a very common form of idolatry for the believer. One of the primary messages of the gospel is that we cannot save ourselves. We are not capable of doing anything worthy of G-ds love, favor, and mercy. Even if we don't activly commit any sins (which we all do in abundance anyways) we cannot be good enough to join with G-d or enter his presence.
This helplessness is a hard thing for many believer,s including me, to face. Even after salvation it is hard to accept. Many find themselves studying the bible and becoming more and more aware of more and more sin in their lives. Our conviction and hatred of their sin grows at it should. That is the sanctifying power of the holy spirit, revealing areas in our lives that are just messed up. This is a wonderful thing, being show how to improve, but also very hard, because as we see more and more of these sinful areas, and have a greater desire to be free of them, the harder the struggle seems to become.
See, when we are made aware of new sin, and have in increased hatred for that sin, it is very easy to become discouraged when we can't overcome those sins. The flesh is put to deaht with Yeshua, the sinful parts are no longer in control, but sin is a hard habit to break. Time after time the believer can struggle with their failure to overcome sin, their percieved lack of progress and wonder if they are really saved or not. They Do so out of a desire to please G-d. The thought is "I'm reading and praying and trying to be righteous, but it isn't working. I want to make G-d happy, and for him to be pleased with me." But remember, one of the essential parts of the gospel is the concept that we can't make G-d happy. But then, we dont have to.
Yeshua was righteous for us. When he died, and we trust in his death, our sins die with him. When G-d looks at us, he knows about our sin, but he doesnt care anymore because He sees that we have clung to the freely offered righteousness of our Messiah.
Justification and sanctification are not the same thing. Justification is what happens the moment we accept what Yehsua did for us and cling to his righteousness. G-d then sees us as Justified, and our sins are no longer relevant to Him. Sanctification is the process of cleansing that happens here on earth. Because we see what Yehsua did for us, and how our sins were the cause of His death, we learn, by the training of the Holy Spirit, to hate that sin. That process i talked about before, the process of becoming aware of more and more sin and hating it more and more is sanctification. Thats what happens here on earth, as we continually put to death the old self and take on this new creature we have become in Yeshua.
Romans 3:20-24 Says it this way;
"For in his sight no one alive will be considered righteous on the ground of legalistic observation of Torah commands, because what Torah really does is show people how sinful they are. But now, quite apart from Torah , G-d's way of making people righteous  in his sight has been made clear - although the Torah and the Prophets give their witness to it as well- and is is a righteousness that comes from G-d, through the faithfulness of Yeshua the Messiah to all who continue trusting. For it makes no difference whether one is a Jew or a Gentile, since all have sinned  and come short of earning G-d's praise. By G-ds Grace, without earning it, all are granted the status of being considered righteous before him, through the act redeeming is from our enslavement to sin that was accomplished by  the Messiah Yeshua."
All our righteousness before justification were tainted by sin, but after justification we are free of that taint. We cant earn G-d's love, but we have it anyways. Amazing is his grace.