Christians are disobedient all the time, even though they are saved. All we have to look at is the disobedience in divorce and remarriage. We don't say all divorced and remarried people are unsaved, but we know at the very least they have been disobedient, ignoring the commands to not divorce and doubling down on the disobedience by remarrying.
My point is that disobedience to God's Word does not lose one their salvation. However, it may be an indicator that someone was never born again. This is why believers have an advocate with the Father, because we are not sinless, but we should be sinning less as we confess our sins throughout our lifetime to grow in holiness.
Hebrews 12:5-7 "…5 And you have forgotten the exhortation that addresses you as sons: “My son, do not take lightly the discipline of the Lord, and do not lose heart when He rebukes you. 6 For the Lord disciplines the one He loves, and He chastises every son He receives.” 7 Endure suffering as discipline; God is treating you as sons. For what son is not disciplined by his father?"
There will be those who are very disobedient to Christ and still make it into heaven; we know this because of the following Scripture.
1 Corinthians 3:14-16 "…14 If what he has built survives, he will receive a reward. 15 If it is burned up, he will suffer loss. He himself will be saved, but only as if through the flames. 16 Do you not know that you yourselves are God’s temple, and that God’s Spirit dwells in you?"
1 Corinthians 3:13-14
"His workmanship will be evident, because the Day will bring it to light. It will be revealed with fire, and the fire will prove the quality of each man’s work. If what he has built survives, he will receive a reward."
All born-again believers will make it to heaven. We are judged not on salvation but according to what will be our rewards.
When God places His Holy Spirit in us as a guarantee of our inheritance, it is finished, we are transformed and no one or nothing can de-transform us.
2 Corinthians 5:16-18 "…16 So from now on we regard no one according to the flesh. Although we once regarded Christ in this way, we do so no longer. 17 Therefore, if anyone is in Christ, he is a new creation. The old has passed away. Behold, the new has come! 18 All this is from God, who reconciled us to Himself through Christ and gave us the ministry of reconciliation:"
Those who have appeared to have walked away from Christ were never changed into a new creation; they came under their own efforts, never having trusted Christ. They were pretenders wanting to feel good about themselves without any change in their hearts.
If Christ has not changed someone, then they are not saved. No one can change themselves to gain heaven. It would be like a person who is desperately wicked changing his desperate wickedness; it is impossible. A desperately wicked unsaved person must be transformed, not reformed, and only Christ can transform someone and only if they want to be changed by Him.
Jeremiah 17:9
"9 The heart is deceitful above all things, and desperately wicked: who can know it?"
Ephesians 2:9-11 "…9 not by works, so that no one can boast. 10 For we are God’s workmanship, created in Christ Jesus to do good works, which God prepared in advance as our way of life. 11Therefore remember that formerly you who are Gentiles in the flesh and called uncircumcised by the so-called circumcision (that done in the body by human hands)—"
Many unsaved people can be very clever at pretending. They learn the verbiage of the church, sing the songs, do good deeds, but they are doing it all in their own power and full of pride, never having trusted Christ. They can be very convincing until they are challenged to ask God if they have been changed, then is when you see the real them emerge, the disgust, contempt, and serious rejection of the truth. God speaks of these types in the word and gives a warning in Matthew 7.
Matthew 7:21-23 "21 “Not everyone who says to me, ‘Lord, Lord,’ will enter the kingdom of heaven, but the one who does the will of my Father who is in heaven. 22 On that day many will say to me, ‘Lord, Lord, did we not prophesy in your name, and cast out demons in your name, and do many mighty works in your name?’ 23 And then will I declare to them, ‘I never knew you; depart from me, you workers of lawlessness.’"
No harm can come from asking someone to evaluate themselves according to the Bible to see if they are saved by Christ. If there is anger, then that might be the answer that they are not born again. Those who are born again will want to know why you might think that. If we have misinterpreted them and they are saved, they will not be intimidated but confident of their salvation.
We are to continually challenge one another to walk in holiness.
1 Timothy 4:1-3 "1 Now the Spirit expressly states that in later times some will abandon the faith to follow deceitful spirits and the teachings of demons, 2 influenced by the hypocrisy of liars, whose consciences are seared with a hot iron. 3 They will prohibit marriage and require abstinence from certain foods that God has created to be received with thanksgiving by those who believe and know the truth."
Matthew 15:8-9
"‘These people honor Me with their lips, but their hearts are far from Me. They worship Me in vain; they teach as doctrine the precepts of men.’”
Titus 1:15-16
" To the pure, all things are pure; but to the defiled and unbelieving, nothing is pure. Indeed, both their minds and their consciences are defiled. / They profess to know God, but by their actions they deny Him. They are detestable, disobedient, and unfit for any good deed."
1 John 4:1
"Beloved, do not believe every spirit, but test the spirits to see whether they are from God. For many false prophets have gone out into the world."
There are those who will chastise us for questioning the salvation of one who walks consistently disobediant. Those who chastise for confronting to correct are themselves ignoring much of scripture that guides us to help those in the gathering learn if they are saved or help grow those who have been changed by Christ.
May we all grow stronger and bolder in these last days, never deviating from the love of Christ to be accepted by the culture.