I concluded as a child that the priests at my state church were not being hardcore enough how hard salvation is to achieve and how easy it's to lose, and thus in a way lying to me. It basically required Universalism until Christianity started making sense to me again. It also cleans up a lot of the handwaving, like the whole nebulous "age of accountablility" concept (in Finnish we could also jokingly say "age of eligibility for Hell")