Wow, this one sentence is loaded. It really had me thinking.
As I mentioned in an earlier comment, I truly believe that up until God turns us over to a reprobate mind (Romans 1) or a strong delusion (2 Thes 2) or we commit the unforgiveable sin (blaspheming the Holy Spirit), that there is still time and ability to repent. In the case of the first two, just like with thinking we can earn heaven, our ability to repent is significantly reduced; but still present. I think of Saul (who became the Apostle Paul). He was a pharisee who was so sure that he was "good enough" that even in the face of hearing Stephen's testimony before the stoning, was approving of the stoning and launched out to imprison other professing Christians. It was only when He had a supernatural experience with the Lord Jesus, that he changed teams and what a powerful "switch" that was! I love to talk to my boys about the Apostle Paul; because of his 180 degree change. And, Jesus still does that today! Thank you, God!
I thought also about "the problem with the pharisees". There was Nicodemus, who tried to cross the party lines. The Scripture about trusting in their own righteousness was posted and that was a problem for the pharisees overall. And, the judgment is on the individual. But, I think another problem--that is also prevalent in today's denominations--is "group think". When people only surround themselves with what they already believe and aren't willing to have that challenged by other's opinions, they can be blinded if that which they are believing isn't in accordance with Truth. So, many, unafraid of crossing the ruling religious class and not wanting to be kicked out, supported what was being said--all the way to demanding Jesus be crucified. With all the divides, how many are still doing that today--while claiming to trust in Jesus' righteousness?