Until the Bridegroom comes there will always be some in the visible Church who have grace—and some who have no grace.
Some will have nothing but the name of Christian—others will have the reality. Some will have the profession of religion—others will have the possession also. Some will be content to belong to the church—others will never be content unless they also belong to Christ. Some will be satisfied if they have only the baptism of water—others will never be satisfied unless they also feel within the baptism of the Spirit. Some will stop short in the form of Christianity—others will never rest unless they have also the substance.
Some will have nothing but the name of Christian—others will have the reality. Some will have the profession of religion—others will have the possession also. Some will be content to belong to the church—others will never be content unless they also belong to Christ. Some will be satisfied if they have only the baptism of water—others will never be satisfied unless they also feel within the baptism of the Spirit. Some will stop short in the form of Christianity—others will never rest unless they have also the substance.
The visible Church of Christ is made up of these two classes. There always have been such; there always will be such until the end. Gracious and graceless, wise and foolish, make up the whole Church of Christ. You are all written down in this parable yourselves. You are all either wise virgins—or foolish . You have the oil of grace—or you have none. You are all either members of Christ—or not. You are all either traveling towards heaven—or towards hell.
~ J.C. Ryle
Tract: The Ten Virgins