OR, you might be the person Paul refers to as having their wood, hay and stubble burned up by they themselves saved, as by fire. Jesus explained it as simply as possible in His lesson to Nicodemus regarding the brass snake. You are addressing rewards, not a means to salvation.
True. You can become saved and then just have no works to show for yourself like you mentioned. There are also some people who confess Jesus and then later turn from Him, either openly or by a slow falling away. Either way it isn’t good.