Islam critiqued lives carpe diem; seizing the opportunity for repentance?

In answer to the video "Allah is NOT Forgiving, Merciful or Loving"

The prophets would urge their people to take advantage of the time in which God is mercifully allowing them to remain unbothered by their life of sins. That impunity will eventually come to an end

27:46"Why do you not ask forgiveness of Allah so that you may be dealt with mercifully?".

These people's convenient repentence will not be accepted. Repentance must therefore be done before the unseen is unveiled 6:158 or one is overwhelmed by death 39:54-55,4:18. When the time of death comes, when the realities of the Unseen start appearing, and when one comes face to face with the result of his deeds in the hereafter, this type of opportunistic belief and repentence wont benefit anyone since it will not have the merit of steming from spritiual awareness, something that only can be asserted in this world when faced with trials as opposed to the hereafter where trials end

35:35 40:84-85,32:12,6:158"its faith shall not profit a soul which did not believe before, or earn good through its faith". 

One should therefore seize this unique opportunity of spiritual success, and God is holding in place the order of the universe so that we are able to turn to Him before the ushering of a world where penitence is rejected 16:84, mercifully preventing the universal cataclysms of the Resurrection

35:41"Surely Allah upholds the heavens and the earth lest they come to naught; and if they should come to naught, there Is none who can uphold them after Him; surely He is the Forbearing, the Forgiving".

God's forgiveness is thus something only the worthy one earns in this very life

3:135"And those who when they commit an indecency or do injustice to their souls remember Allah and ask forgiveness for their faults-- and who forgives the faults but Allah, and (who) do not knowingly persist in what they have done".

The Quran thus explains that repentence implies an actual change in the course of one's life

27:10"..surely the messengers shall not fear in My presence. Neither he who has been unjust, then he does good instead after evil" 

6:54"your Lord has ordained mercy on Himself, (so) that if any one of you does evil in ignorance, then turns after that and acts aright, then He is Forgiving, Merciful".

There must be an actual change of mind and concrete change in course. This entails confession of the sins to the parties who were morally/physically/materially harmed, as well as possible compensations. So a thief would have to pay back all the money they stole, a rapist would owe an apology and dowry to his victims and a murderer would necessarily confess to their crimes, putting themselves at the mercy of either the family or justice system if this has not already taken place. The slanderer would have to publicly retract in a way that reverses the initial wrong - while the sin is forgiven upon sincere repentance, the rights owed to their victim is not. 

This wordly logic will equally apply in the Hereafter, even after the sinner is cleansed from his sins, then forgiven by Allah, he will still need to be confronted to the person that was harmed.