If it is all that simple, what is the incentive to be good. You are saved, after all, so you don't have to treat your neighbour with dignity and respect, you don't have to obey the ten commandments, you can have sex with your children, your neighbour's wife and/or husband, you can rob your customers and beat your wife. Sorry, but I have met a lot of born againers who do all that because they are saved and don't have to worry about consequences (at least in their minds). Many were pillars of their church and communities.
You need an incentive to be good? Does a child need incentive to be good for his Father? You do it because you love him Cliffy, because you're thankful for life, liberty, health and everything else he blessed you with. You want to please him by being obedient and not sinning. And since you're in a trusting relationship where you approach him as a child approaches a father, and you know that he only wants to help fulfill good things in your life, how much more incentive do you need?
The born-againers that you claim rationalize sin in their minds(I don't know how you're suppose to know that unless they specially stated this) are either a) never saved in the first place or b) are prodigal, and are being very foolish and are obviously ignoring commandments like loving your neighbor. They're not "exempt" from sinning no matter what they think.
Christians aren't "exempt" from sinning and we still have to repent and ask for forgiveness. You said "we don't have to treat our neighbor with respect" - but we do. Sin is just as wrong after a person became a Christian as before they became a Christian.
You're making it sound like Christians are "exempt"(or at least some think they are) and they're not.
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