A saved person can be living like worldly people.. carnal.. because a saved person.. altho they have the Holy Spirit dwelling inside them.. also still have a sinful, carnal nature. This is the battle that Paul talks about:
Paul writing to fellow christians at the church at Corinth:
1Corinthians 3:1 And I, brethren, could not speak unto you as unto spiritual, but as unto carnal, even as unto babes in Christ.
1Corinthians 3:3 For ye are yet carnal: for whereas there is among you envying, and strife, and divisions, are ye not carnal, and walk as men?
Paul doesn't tell them they are not saved.. but admonishes them to flee from carnal ways.
So.. if a person is being ungodly.. doesn't mean they were never saved.. neither does it mean they have lost their salvation. The judge as to whether someone is saved is not their works or the way they look.. but whether their spirit has been regenerated by teh Holy Spirit.
There will be fruit in someone who has been regenerated by the Holy Spirit.. but that can be hard to detect. What happens when someone saved who is very quiet and doesn't do much? They aren't not saved.. the presence of the Holy Spirit inside them is just hard to detect.
'Faith without works is dead'-- the so often quoted verse... people forget the context of this verse.. that it is not talking about eternal salvation, but daily acts of service to Jesus.. THE faith.. not saving faith.
Consider that Paul later says we are not justified by works.. does the bible contradict.. no! Read the context and you will see different subjects being written about. James writinig about daily service - THE faith.. and Paul mostly writing about saving faith.
Jesus-
John 10:28 And I give unto them eternal life; and they shall never perish, neither shall any man pluck them out of my hand.
(Rom 8:37) Nay, in all these things we are more than conquerors through him that loved us.
(Rom 8:38) For I am persuaded, that neither death, nor life, nor angels, nor principalities, nor powers, nor things present, nor things to come,
(Rom 8:39) Nor height, nor depth, nor any other creature, shall be able to separate us from the love of God, which is in Christ Jesus our Lord.
(Col 2:13) And you, being dead in your sins and the uncircumcision of your flesh, hath he quickened together with him, having forgiven you all trespasses;
(Col 2:14) Blotting out the handwriting of ordinances that was against us, which was contrary to us, and took it out of the way, nailing it to his cross;
(Col 2:15) And having spoiled principalities and powers, he made a shew of them openly, triumphing over them in it.
someone's salvation is between them and God.. and a person who is living carnal may be saved.. but not as close to Jesus as they should be.
If you rebel against your parents.. do you lose your biological connection?