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Salvation IS a gift but it can be lost thru sin? Soooo...you have to earn it back?

Good question. Oh, no, they will assert! It is ALL because of God's grace, they will claim. BUT...if you can lose something (a gift) by your actions, how can they claim it is a gift or it's grace??? Grace means undeserved, unmerited, unearned, you can't work or DO anything to get a gift by grace. You receive a gift - God says you believe in what Christ has done for you and He imputes the righteousness of Jesus Christ to you, He clothes you in the robes of Christ's righteousness and not your own (because our own righteousnesses are filthy rags). Because we haven't yet died and gone to be with Him in heaven, we are still waiting. So if we can lose our salvation by sinning, then it can't be by grace we are saved. It's either grace OR works - not both. If it's grace, then it can't be by works because then grace wouldn't BE grace and vice versa (see Romans 11:6).

“He who endures until the end will be saved” - Jesus
Hebrews 10 lays out the case of the importance of the state of your soul at death. Verse 26 says explicitly if one keeps sinning after Grace they fall under judgment. Taken as a whole, God condemns sinners period and will refuse unrepentant adulterers, fornicators, murderers, homosexuals, thieves, liars, etc... after being bestowed by Grace because again, God refuses those flaunting behaviors that are consistently condemned.
Gifts can be returned, again God is looking for those who display love and “treating others as you would want to be treated”.