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Presumption is a sin coined by Catholicism to condemn those who take God's word at face value and have the confidence that Jesus promised them that they can KNOW that they are saved.

When a person trusts in the finished work of Christ on the cross, there is no presumption about being saved. That person IS saved.

It's those who trust in themselves.

God gives us the means by which we can know both through the word and through the Holy Spirit.

"Christ has saved me; Christ is saving me; I pray by Christ's mercy He will save me."

If you have been saved, then you don't need to pray that you will be saved. You are once He has done it.

If you claim that you have been saved and then you pray that Christ will save you, all that does is reveal that you don't believe that He saved you in the first place. It's a lack of trust and belief in God. How can you trust Him to save you in the future when you can't trust that what you say He did in the past He really did?

I think your response does not take fully into account every person's propensity to fool themselves.

It's not that Jesus' saving us is in doubt: He is God, and all His actions are eternal, infinite, because they are done by God. It's that we ARE prone to presumption: presumption on one side, and despair on the other.

As St. Paul said,

2 Corinthians 13:5
Examine yourselves to see whether you are in the faith; test yourselves. Do you not realize that Christ Jesus is in you--unless, of course, you fail the test?

1 Cor 9:27
" I discipline my body and make it my slave, so that, after I have preached to others, I myself will not be disqualified."

Perseverence is required of us. Surely he was mindful of what the Lord said:

Matthew 10:22
You will be hated by everyone because of me, but the one who stands firm to the end will be saved.

Matthew 24:12-13
Because of the increase of wickedness, the love of most will grow cold. The one who perseveres to the end will be saved.

Luke 21:19
Stand firm, and you will win life.