Not only is the belief in a salvation that leaves one in a wretched state stupid, it is also a mockery of Jesus Christ who specifically stated that He would set is free indeed.
Joh 8:34 Jesus answered them, Verily, verily, I say unto you, Whosoever committeth sin is the servant of sin.
Joh 8:35 And the servant abideth not in the house for ever: but the Son abideth ever.
Joh 8:36 If the Son therefore shall make you free, ye shall be free indeed.
What kind of "free indeed" leaves one a wretch?
"Free indeed" is in the context of "whomsoever commits sin is a servant of sin."
Paul wrote...
Rom 6:16 Know ye not, that to whom ye yield yourselves servants to obey, his servants ye are to whom ye obey; whether of sin unto death, or of obedience unto righteousness?
Rom 6:17 But God be thanked, that ye were the servants of sin, but ye have obeyed from the heart that form of doctrine which was delivered you.
Rom 6:18 Being then made free from sin, ye became the servants of righteousness.
The wretched man is a servant of sin. He is not free indeed. In fact he cries out for deliverance...
Rom 7:19 For the good that I would I do not: but the evil which I would not, that I do.
Rom 7:20 Now if I do that I would not, it is no more I that do it, but sin that dwelleth in me.
Rom 7:21 I find then a law, that, when I would do good, evil is present with me.
Rom 7:22 For I delight in the law of God after the inward man:
Rom 7:23 But I see another law in my members, warring against the law of my mind, and bringing me into captivity to the law of sin which is in my members.
Rom 7:24 O wretched man that I am! who shall deliver me from the body of this death?
Rom 7:25 I thank God through Jesus Christ our Lord. So then with the mind I myself serve the law of God; but with the flesh the law of sin.
THEREFORE
Rom 8:1 There is therefore now no condemnation to them which are in Christ Jesus, who walk not after the flesh, but after the Spirit.
Rom 8:2 For the law of the Spirit of life in Christ Jesus hath made me free from the law of sin and death.
Rom 8:3 For what the law could not do, in that it was weak through the flesh, God sending his own Son in the likeness of sinful flesh, and for sin, condemned sin in the flesh:
Rom 8:4 That the righteousness of the law might be fulfilled in us, who walk not after the flesh, but after the Spirit.
See the law does not save. The law can only reform the outer man. The wretch is trying to reform himself via the law and it does not work. It is the SPIRIT OF LIFE IN JESUS CHRIST that sets us free, not the law. It is via the Spirit that our hearts are transformed, the law cannot do that. That is why we are saved by grace THROUGH faith, as opposed to being saved by the works of the law.
So few believe what the Bible ever so plainly teaches simply because it contradicts with the mass of delusion they blindly believe. In their mind 100 lies outweigh 1 truth, the truth when shown to them is a mere anomaly which does not fit, so just disregard it. Look up cognitive dissonance. That is what is going on here.
No-one can refute what I wrote. It is the plain and obvious truth taught in the Bible.