Adullam said:No one is saved in the completed sense until the end. A person does not receive a victor's crown BEFORE the race is over.
Sakvation is a process. We are being saved through faith and faithfulness. If one holds back, or continues in lawlessness then that one is disqualified.
The Christian life is not the easy done deal affair that is being sold to the multitudes. No, it is the hardest thing that anyone can ever undertake. If one runs lawfully, the flesh life does not survive the race. If people knew this, almost no one would run. But to not run, is to lose already.
It's actually very simple. But if you'd like to make it more complicated and too hard for anyone to comprehend, you're doing a good job.