Heidelberg Q10 - God wouldn't really punish ME, would he?

Q10. Will God suffer such disobedience and rebellion to go unpunished? A: By no means; but is terribly displeased with our original as well as actual sins; and will punish them in his just judgment temporally and eternally, as he has declared, "Cursed is every one that continueth not in all things, which are written in the book of the law, to do them." Scripture Proofs: Gen.2:17, Rom.5:12, Ps.5:5, Ps.50:21, Nah.1:2, Exod.20:5, Exod.34:7, Rom.1:18, Eph.5:6, Heb.9:27, Deut.27:26, Gal.3:10.

God hates our sins - both original sins (inherited from the Fall of Adam) and actual sins (the ones we come up with for ourselves).  Because of those sins, we are cursed and have earned punishment both temporal (here while we're alive) and eternal.
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"...continueth not in all things written in the law..." Have you ever lied? Stolen? Have you loved God wholly?  Do you love your neighbor as much as you love yourself?  So, what do you think?  Would a righteous, holy God withhold punishment from you just because you think you're not that bad a person?