If your grace is cheap, who paid for it? And how much did they pay? Everything that Jesus offers, he paid for with his life. If your salvation is cheap and ineffective, maybe you didn’t get it from him.
Surely the reason we don’t think we need an expensive savior is because we don’t think we are in any danger. We have gotten used to floors that are constantly wet, water seeping through cracks in the walls, bulkheads bowing inward, strange rumblings below deck, and the taste of sea water. We can’t admit our need because it would cost us too much to fix it. Because the alternative is inconceivable. Or uncomfortable.