So it is with Christianity. I am not saved unless I accept Christ and so on. In that case, salvation is most certainly not a gift. So we start making rules and regulations, and before long some churches don't resemble Christianity at all. But there are some who insist upon making it all into a religion.
Salvation is unconditional.
We do not earn it, nor is there anything we can do or must do to keep it. God loves you right now as much as he ever will. He will never love you more, he will never love you less. Grace is the word that Christianity uses to discuss the subject you raise. Grace, in its pure and unadulterated truth, is scandalous to the human mind.