Dour Christians! Have you ever been around them? On one extreme, they are either mad at themselves or mad at the world and at the other extreme they are depressed and defeated. They are like the monks in Monty Python and the Holy Grail, continually paying penance.
I think both extremes are related and the issue is with our perception of God and how He relates to His Children. How do you see your Heavenly Father? How do you think He sees you? I think that these are the most important questions to get right, aside from "are you saved?"