“He who says, ‘I will sin, and repent: I will sin and repent’; he will never achieve repentance.  ‘I will sin and the Day of Atonement will atone’; the Day of Atonement does not atone.  Transgressions between man and God—the Day of Atonement atones.  Transgressions between man and his neighbor—the Day of Atonement does not atone, until he appeases his neighbor.” (Mishnah, Yoma 8.9.)

Although the quote is right, I think you missed an important point…

When Jews die,the very first question that we are held accountable for after our deaths is “Nasata V’netata Be’emunah” which means “did you conduct your business affairs with honesty and with probity?”

Best Regards,

Brett