Well at least you got that banana part right - but again the fiction you engage in is of the form that says "If you are given a home in a well-off subdivision free of charge - all expenses paid for as long as you live there - it is NOT a gift if you must be a good neighbor, treat the property responsibly and care for it - rather you fully EARNED that home no matter what the costs and expenses paid for you by the donor".
Bob
I went through this in real life recently Bob. I was an asset, an expensive gift. The condition was not "as long as I keep it and maintain it." The condition was not: "as long as I am a good neighbor, etc."
Your example is way off the mark.
You see, the gift was free, unattached without any conditions.
I could destroy it, give it away, maintain it, sell it, do what I want with it.
It was given to me as a free gift. Even if I decided to be a bad neighbor and bother him, that would be my choice--not a good one but still my choice. It is was my gift and I could do what I wanted to no conditions attached. It was a free gift. I did not earn it.
If I decided to keep it, then there may have been some responsibilities attached in keeping it. That is different.
That is what salvation is like. Salvation is a free gift. Once I am saved I am expected to pray, to read, to study, to witness. None of those things will take away my salvation.
With my free gift, there are responsibilities that come with ownership. If I neglect them I will still have my gift. It may deteriorate in value but I will still own it. It may bother my neighbor, but I will still own it. The gift is still mine. The question becomes: what will I do with my free gift.
What will you do with your free gift of salvation?