The problem is not understanding the atonement and not understanding the
absolute depraved and lost state everyone is in according to the Scriptures, IMO. We look at Scriptures that appear to teach a true, chosen believer can lose their salvation, and this becomes our doctrine. We then have to work for our salvation to stay saved. We get the cart before the horse, so to say.
Man will always love "religion", which is what man does to earn Gods favor or Heaven. Salvation is God's free gift from above, that cannot be worked for, willed up from within us, or bought. And it is as eternal as the God Who does the work for us.
#1.
Everyone is born in a dead spiritual condition, will die, and are under the wrath of God. This sin nature is passed on from Adam on down, only Jesus broke this chain when He was born of a virgin, by the Holy Spirit, and only He had no sin nature- cause He is God too. (1st Cor. 15:22, Romans 5, Hebrews 1, 2, 4) Paul gives us the description of everyone who is ever born- our condition and standing in the eyes of a Holy God. (Romans 3:9-18, Isa. 53) We all like sheep have gone astray, each have turned to our own way, and
no one seeks God, not one of us understands.
If everyone is like this,
God Himself has to provide the way back to Him (and He has through what Jesus did on the cross and His resurrection from the dead),
He has to choose us, and
enable us to come to Him. This is clearly taught in the Scriptures, and is a matter of contention- though I don't know why, except it is a spiritual battle, and we have unsaved people in the Church along with believers. I'd rather God did it all than me having to do it. If it was up to me, I'd be in bad shape, that is for sure!
#2. God chose us "in Christ", before the foundation of the world. He chose us and the predestinated us as
individuals to be His children. After all, the Church is made up of individuals. (Eph. 1) He "knows" us in a personal way. (Romans 8:29) Why does He chose some and not others? We see in the example of the potter and the pot or clay. (Romans 9) The answer is: God can do what He wants, who are we (the lump of clay) to argue with our Creator?... I mean, right?
We should be grateful we are on the team! Not saying God is not right to choose who ever He wants to be on His team.

This is reading 21st century, political correctness into the Bible and applying it to God. God
only has an "A" team. And most of us are weak and not very pretty in the worlds eyes.
#3. God draws us to Himself, provides the faith for our initial believing in Him, and seals the deal with the Holy Spirit- Who will never leave us; putting us into the body of Christ, the Church. The Holy Spirit is the
down payment from God, the guarantee of our inheritance, showing that God is good toward keeping His promises. And this showing our whole being will be redeemed someday-at the 1st resurrection, to the praise of His glory. This is a free gift of God, that no one can earn, and it is not worked up in ourselves, but it comes from above, from God Himself!
Jesus said plainly, that no one can come to the Father unless it is granted by the Father. (John 6:22-71) Many disciples quit following Jesus when they heard this. I thought I came to Jesus out of my own "free will", when I was first saved- until I read this, and understood how lost I really was in God's eyes in Romans 3.
Paul states that saving faith is a free gift of God, afterward the gift of Faith given by the Holy Spirit is for the working in the body of Christ. (Eph. 1, 1st Cor. 12-13)
Here is what the Bible teaches us what happens at the moment of conversion; and actually-the regeneration is probably a split second before, along with the faith/trust to believe. (Eph. 1:13-14, Titus 3:5)
That it is not from ourselves is made painfully evident in John 1:12-13.
NOT BY THE WILL OF MAN. That be this supposed "free will", we have inside us.
If words mean anything, everything I laid out up there is true. We cannot just decide to believe in Jesus without the choosing and enablement of God happening behind the scene. This is
exactly why no one will be able to boast and say, I did it! This is the only viewpoint that is Scriptural, and brings glory to God. The One Who thought it up, planned it out, and carried it out, without man-kind's will. There are many professing believers in the Church today, but only God knows who His are. The thing is to make sure
you are saved and are trusting in God alone, not works that are added on. (Gal. 1, 2, 3)
Free will is a doctrine of the world, plain and simple. Not of the Bible. Just look up the dictionary definition! The Bible says there has to be Divine intervention. Who will we believe?
All of us only have a
limited free will to start with- this under the grace and mercy of God. We all breathe the same air, saved and unsaved, chosen and not. We are in God's debt for the life
He allows us to live, cause He numbers our days. To say we are in control of our destiny is an affront to God and makes man into his own "God". Sadly, this is where we are at in this day and time.
The gospel call goes out to, "who so ever will", and we don't know who the chosen ones are. But the Bible teaches us that only the chosen ones will make it to Heaven, and not of their own will or walk, but because of God's will and promise. Which I am very, very, grateful!