[A little brother]

Then the question is who is truly rebirthed. I still can't imagine how a regenerated believer truly with God's life in him still act like an unbeliever in the world. I have to take the position that there are only true believers and unbelievers. True (faithful) believers get the reward and unbelievers get the punishment in the end.

There are so many warnings from the apostles to "believers" in the NT. I don't think it is just about missing rewards, it is something much more severe.

I am not saying salvation can be lost, it is more about whether we are truly saved in the first place.

2 Peter 2:20 For if, having escaped the defilements of the world by the knowledge of our Lord and Savior Jesus Christ but having again been entangled in these, they are defeated, the last state has become worse for them than the first.