If you live according to social moral, it would cost you less; if you don't for the social moral, you will pay your penalty.
However, Jesus opposed on that view:
Matthew 9:13 But go ye and learn what this is, I (Jesus) will have mercy, and not sacrifice, for I (Jesus) am not come to call the righteous, but the sinners to repentance.
The pain of regret would be washing away by the Blood of Jesus.