2.  All things are lawful, so what is the big deal?
I Corinthians 10:23 - All things are lawful for me, but all things are not expedient: all things are lawful for me, but all things edify not.
I Corinthians 6:12- not to be brought under the power of any?
I Corinthians 8:9 - a stumblingblock to them that are weak?
Galatians 5:1 - no more yoke of bondage, but are you still in bondage to religion?
Galatians 5:13 - not an occasion for the flesh

3.  We know we can't lose our salvation!
Concept / Design / Payment / Details (incl. Hebrews and Hell, etc. - Trib, etc.)
Do they even understand why we say they are lost?
    I Corinthians 15:21,22 - For since by man came death, ... For as in Adam all die...

4.  God doesn't 'get us' nor do we often reap what we sow.
(credit cards and insurance, etc.)
Romans 2:4 - Or despisest thou the riches of his goodness and forbearance and longsuffering; not knowing that the goodness of God leadeth thee to repentance?
dispensation of grace, etc. - Ephesians 3:2:If ye have heard of the dispensation of the grace of God which is given me to you-ward:

5.  Some do not know their scriptures good enough to know there is a choice to be made - other than what their pastor says...
Do they even see any conflict / confusion / contradiction / contempt / )  Contention / Confessions
They can't possibly read the Scriptures - but they read ABOUT the Scriptures...

6.  Our mind makes the choice to that pleases the flesh - makes our tongue happy, etc.
Romans 7:15-23

7.  Because we are not completed yet, we still have the judgment to go through -
I Cor 3
Romans 14:10-12
Our good may not be His good!
Isaiah 55:8,9 - For my thoughts are not your thoughts, neither are your ways my ways, saith the LORD.  For as the heavens are higher than the earth, so are my ways higher than your ways, and my thoughts than your thoughts.

8.  Not taking the judgment seat seriously enough while we can - soon, it will be too late.  We will wish we had done more for Him and less for ourselves.  Our gain was really our loss, too!
Philippians 3:7
Daniel 12:3

9.  We want to please men instead of God!
Galatians 1:10
Lost can not please God - Romans 8:8
Lovers of pleasures...   II Timothy 3:4
Wrong pleasures - Romans 1:32
Paul's pleasures - II Corinthians 12:10
It has been in our past. Titus 3:3

10.  We fear man, thus we are caught in a snare -
Proverbs 29:25 -  The fear of man bringeth a snare: but whoso putteth his trust in the LORD shall be safe.

11.  It seems one more night with the frogs isn't all that bad of an idea - it is just one more night...  we can 'change' tomorrow.
Exodus 8:5-15

12.  We have received wrong way training.
Proverbs 22:6
Jesus is the way, of course... but it must be through Paul...  Philippians 4:9; etc. etc. and more etc.
II Thessalonians 3:7 - For yourselves know how ye ought to follow us: for we behaved not ourselves disorderly among you;
II Thessalonians 3:9 - Not because we have not power, but to make ourselves an ensample unto you to follow us.

13.  America is in a mess, can't change anything anyway...  but WE can change ourselves - for His glory and His pleasure...
I Thessalonians 4:1
For the good pleasure of ...
     II Thessalonians 1:11
    Ephesians 1:5,6
    Philippians 2:13

14.  Makes them think that God has blessed them in such a manner that they CAN pick and choose properly.
knowledge, greek, originals, education, teachers have shown them... etc.
They are their own final authority!