Are Christians only Christian because they want someone else to take all the punishment for their actions?

Atonement for transgressions in Judaism meant the person had to make good with the people they wronged, not just ask God for forgiveness. Other religions also teach to right your wrongs with the individuals you hurt, yet Christianity only tells people to make sure they ask Jesus for forgiveness, and never even mentions making it right with the individuals they hurt. It kinda treats transgressions as non-existent things that happen in isolation, as if no one else is affected by the actions. It gives them a false sense of atonement, because after they ask Jesus for forgiveness they think everything is alright. I guess you can call it a "sin and forget it" mentality. Does the fact that Christianity erts that Jesus paid for all sins, both past, present, and future, contribute to this mentality, or is it the individual Christians themselves that are to blame, because they choose not to atone, but rather take the escapist route by telling themselves that Jesus forgives them so everything is alright?