Scripture has to agree with reality, however, correct? Otherwise it would be just a fairy tale, and I'm sure no one here would want that. And the truth of the matter is,
your claim that Universal salvation makes righteousness and obedience meaningless clashes with the reality of the situation.
Let's face it, there are those who really don't want everyone to make it. Therefore, they'll gravitate towards those passages that
seem to coincide with that wish. The bible acts as something of a mirror like that. We tend to read into it what's already in our hearts. Sometimes I wonder if the bible is like that by design (actually, that's a little unsettling to consider, so yeah... back to my main point).
Given that there are other verses that, unlike Psalms 145:20, point toward a God whose ways are actually
higher than man's ways, the punitive, petty god-as-fire-insurance model doesn't quite hold water. Any frail human can love those who love them back—that's
man's way. God can do better than that (go
higher than that) and love everyone. Of course, in His case, it helps to
be Love itself, which He, fortunately, is.
[By the way, on the non-related technical front, you might want to fix your post,
#231, since the quote feature is inaccurately attributing to me your statement about Universalism making righteousness and obedience meaningless.
]