The greatest commandments are profound and beyond my understanding, it does not seem natural to think that Jesus loves us unconditionally. How do you love the person who is nailing you to the cross, and how do you love them unconditionally? To love someone unconditionally, means you love them even if they do not repent.
But to forgive us of our sins we must have true repentance
Beyond a doubt, I agree with you, it is far better to admit our sins and repent.
In my own life, I am starting to find that it is far better to forgive the other person even if they are not sorry, and they do not repent. I was out with the Street Pastor team about 2 am, when we tried to get in the middle of a fight, and calm things down. Eventually the fighting stopped, but one tall lad was still angry, he was inches from my face and spitting out the words, 'yur a Christian, you are supposed to forgive, what if I stabbed your f… mother in the face and f… raped her, would you forgive me?
I said yes, as hard as it would be, it is far better to forgive you then to hate you, and he walked off.
About a month later, he was with a group of mates, he saw me, he crossed over the road towards me and shook my hand, he did not say much, then walked off.
When I looked back at this incident, I felt as if repentance was not on his mind, but for me to live by the greatest commandments meant trying to love unconditionally, whether he was sorry or not. I can only say, that not carrying any anger against this lad, was a healing process for me, in a way, it had little to do with the other person being sorry.