To me, it seems as though with a belief such as that in place, one may permit one's self to do as much wrong as desired, and later it all be washed clean by those two magic words.
To me, too. I went through several evangelism courses a couple decades ago, including the wildly popular "Evangelism Explosion" by Dr. D. James Kennedy. It always seemed to me that these courses taught salvation by magic words, too.
It still seems that way. In fact, we still refer to mainline, Reformation-based, "Sola gratia, sola fide, sola Scriptura" Christianity as "the kingdom of words."