Cheryl writes a Diagnosis

....A lot of us are doing Christianity at a putt-putt level.

We want to be forgiven without following Jesus.

We're afraid to follow Jesus, because then we'd have to die and rise with him. We'd have to mortify our old self with its "fondest lusts," as Jonathan Edwards described them. Then we'd have to vivify Jesus' excellent virtues in their place. The truth is, we're mildly attracted to his virtues, but we're strongly attracted to our vices. We wouldn't like to lose them because they please us, and the prospect of a significant life with Jesus doesn't so much. Do we expect a new Christian life will just happen without our having to make inconvenient changes in how we live Monday to Sunday? If so, we are like people who want to be solvent and who also max out their credit cards. Or people who want to be sexually pure and who also bookmark porn sites. Or people who want to speak Japanese without all the tiresome study that's normally required.

Here's Willard's devastating summary:

The general human failing is to want what is right and important, but at the same time not to commit to the kind of life that will produce the action we know to be right and the condition we want to enjoy. This is the feature of human character that explains why the road to hell is paved with good intentions.

See Cheryl's In the Life of a Busy Woman