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I dont' think you just believe, and then carry on sinning and get to heaven. And I think there is Scripture from Peter and Paul which points to having to walk the walk to remain in Grace. That doesn't mean you're sinless, it means that as you progress in your walk with the Lord you sin less and less. If this isn't happening, I don't think you get there. And your question about Bill was a good one.

The admonishment about 'judge not, lest ye be judged' has to do with the judgement of the State of Grace someone is in, not actions. We are permitted to judge actions as right or wrong, in fact it's our duty. But nobody is allowed to point to someone else and say 'you're not saved', 'you're going to hell.'

You can believe in your heart and continue to have abortions, continue to steal time from your employer by not giving him/her all you've got, by grumbling, complaining, by gossiping, etc., etc., I don't believe you can continue on that path indefinitely and be saved. Actions do matter, even if they are not what can and does initially bring you Grace.