Some people are closet Mormons and don’t realize it. The Book of Mormon in II Nephi 25:23… “. . . We know that it is by grace that we are saved, after all we can do.”
Ouch! If me doing something to be saved is in the mix I am in major trouble. Let’s let the Bible set the record straight… Ephesians 2:8-9… “For it is by grace you have been saved, through faith—and this not from yourselves, it is the gift of God— not by works, so that no one can boast.” Thanks be to God that He does it all. We would mess things up if we were part of the equation.
1517 AD Blog 
There is a lot of that, “yeah..but you have to do your best” stuff floating around out there.
I think there are a lot of defacto Mormons out there.
God help them! (to get it)