This debate is about a critical issue, but it is not a debate about Jesus being Lord. Both sides of this issue agree that Jesus is Lord, and we are called to obey Christ because if we love Him, we will keep His commandments, the 5 Crowns of Reward.
The problem is when pastors tell people that their disobedience is a sign that they were never saved in the first place. This teaching is false, and it is never found on the lips of any author in the Bible. When our ministry teaches a "Cross-'n-Crowns" ministry, we mean exactly that, the cross is our salvation that is never questioned. The moment faith is placed in that Cross, the resurrection belongs to you, and you are saved with an eternal love that never fades nor forsakes. The Crowns, however, are our planned rewards that may be abandoned by the believer. Therein lies the confusion of those "Lordship salvation" advocates: you don't lose salvation, but you may lose rewards. Why else would Jesus command us to never let anyone steal our crown (Rev 3:11)?
But some will retort with Matthew's warning: "not everyone who says to me "Lord, Lord" will enter the Kingdom of Heaven. So what does that mean? Firstly, what is the circumstance of this passage? Its the entrance of the Kingdom, the era of the millennium. Secondly, this is not entrance into the Church, is it? The word "Church" is not anywhere near this passage because it is spoken to Israel, the Jewish people, entering the millennial reign of Christ when He sits on His "glorious throne" in the Jerusalem Temple. While the Church began in Acts 2 and will end its dispensation in Revelation 4, when we are rewarded the Crowns, the entrance of the Millennium is the Second Coming of Christ in Rev 19. The millennium occurs only after the stages of the first resurrection are completed (compare 1 Cor 15:23–24; Rev 4:1-10; 11:11-12; 20:4-7).
The lesson of this post is this: never question the salvation established by the work of Christ, the cross. But always examine ourselves to see whether we are working toward our rewards because the 5 Crowns of Reward determine our Christian maturity.