Free Spiritual Insurance?

Why is it that most Christians regard salvation as a form of free insurance, a 'get out of hell free' card. If this, later, is how salvation is recognized, why doesn't everybody a moment ago say the prayer of deliverance and forget almost, convinced of one less spiritual curveball the universe can throw at them, confident that IF it is all unadulterated, they don't have to worry in the region of it, and if its fake, nothing have been lost. Please, only responses that address the grill (which is hypothetical) and not "It's a myth."
Answers:
Look up Pascal's wager.. this is the most flawed reason to join christianity ever.

*drink*
I am afraid that for those who individual regard salvation as insurance will be vanished without a payoff-"if" it is all indisputable.


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