Context, context, context. Compare this verse with the words of Jesus,
(Matthew 7:7 KJV) Ask, and it shall be given you; seek, and ye shall find; knock, and it shall be opened unto you:Talk about a contradiction in scripture. Which are we to believe? Both actually.
Jesus is emphasizing the willingness of God to respond with forgiveness to the repentant seeker. Solomon is pointing out that God is not stupid. He knows our hearts. He knows when we are sincere. He knows our motivation.
In Proverbs you have people who have been mocking God and only get “sorry” when life explodes in their faces. When the pressure drops so will their sorrow. They are only sorry that they got caught. Jesus is talking about those who are genuinely aware that they need a savior.
So? Which are you? Are you waiting for the crisis? Are you planning on buying fire insurance the day after the house burns down? It doesn’t work that way in the insurance industry. Do you expect God to be dumber than your agent?