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>>much more common in society seems to be an attitude that "past indiscretions" were a lot of fun, and people regret that they had to give them up in order avoid hell.<<

Society is not analogous to a born again saved individual. Nor does a born again saved individual “regret” having to “give up” in order to “avoid hell”. Changed actions do not indicate a changed heart but a changed heart will change actions. A true born again Christian has a changed heart which results in changed actions. Simply changing actions is not what saves.

>>I'm not competent to decide whether anyone else is a Christian; maybe it's just a failure to think things through.<<

We are called to discern however. True repentance is not just giving up the act. True repentance comes from a regretful heart.