ssssiiiggghhh*** IF losing one's salvation WERE possible, (short of rejecting Jesus Christ) ... then, WHY THE FINISHED WORK OF THE CROSS? Is that too simple of a question to comprehend? Why would God allow the horror and cruelty of the cross for something which could be lost, making Jesus' sacrifice completely useless... knowing man's hearts were "inherently sinful" and they could NOT, ON THEIR OWN, be saved...NO MATTER WHAT?! ~ That is NOT giving man the "go ahead, stupid, keep sinning," freedom to discount the cross. On the contrary... BECAUSE of the finished work of the cross... the BELIEVER wants desperately to be sinless, but WE ARE HUMAN with HUMAN FLAWS, which, Thank God for the blood of Jesus perpetually washing over us UNTIL, "We are made just like Him".
The above assumes a lot of things, which cannot just be assumed.
Christ died to open a door of restoration with Him, which by its nature is
based on free will, which is the essence of love.
The Lord is our servant, He meets our needs, His desire is to help and empower
us to do the things that need doing. And we also freely choose to be like Him.
We cannot be like Him unless this is a free choice. So salvation as to be open,
to be received or walked away from. If you do not understand this is implicit in
God himself, you have not understood who He is.
Believers believe many different things, and being righteous is not one of the
ones I see expressed as their desperate desire. If anything their desire is to
mock and pour scorn on those who do desire righteousness and love, and claim
spiritual experience and authority trumps love and righteousness.
So it appears you are wrong on both propositions from my perspective.