I don't think Rollo's being inconsiderate. I think that if someone doesn't know someone personally that was saved and had faith, and then loses that faith, it's difficult to think that one could just stop loving God.
This might happen because a person's faith is not strong. I know a woman who was very involved in church, cleaning it, singing, the whole thing. Then her 14 year old son drowned. She abandoned God and no longer believed because she had been taught that God is a loving God.
Many times the above happens because people are not properly taught, as you've said yourself many times.
I do understand Rollo's point. One could not just wake up one morning and decide to stop loving God. In that sense he's correct.
Wondering