TL

We still have context to reckon with. In chapt. four, Paul is speaking to someone who is alive. To us who are alive we remember that we are saved at the moment of belief, and we are saved daily from ourselves and sin, and finally if we persevere until death we will be ‘finally’ saved. But all of this is settled at the moment of death. Thus, all discussion of doing anything to be saved in any fashion whether daily or finally at death, has to apply to someone living.