This is a feeling shared by many, in fact just this week my wife told me that she had heard of someone else who felt that they were not worthy, or capable, of being saved.  Some add to this that they cannot earn salvation.  As to the latter statement, no one can earn salvation for it is a free gift of God.  As to the former statements, all are capable of being saved, for God Himself desires “all men to be saved, and to come unto the knowledge of the truth,” (I Timothy 2:4) and all are worthy when they follow His commands (Revelation 14:12,13).
    Unfortunately many have a wrong view of I Peter 4:16-18.  These verses are speaking about the fiery trials of this life, not salvation.  These verses teach that when people suffer it is hard enough to withstand the pain knowing God is on your side, much harder is it for non-Christians who have no such hope.  This is not a verse teaching that it is hard for God to save you.  It is as easy for God to save as it was for Jesus to forgive sins (Luke 5:23).  You might say it is God’s specialty.
    To be sure that what I am saying is true regarding the context of I Peter 4:16-18, let us turn to the Bible’s best commentary (itself) and notice another inspired passage penned by Peter.  We will turn our focus to II Peter 1:5-11.  The context is the adding of the Christian graces to one’s life (verses 5-7).  It teaches that the Christian must add to his faith several things:  virtue, knowledge, temperance, patience, godliness, brotherly kindness, and charity, or love.  Verse 8 shows that these are the things that will aid in bearing fruit in one’s life.  Those who lack these things, verse 9, are blind and do not remember that Jesus has cleansed them.  Verse 10 urges that diligence be given toward adding these things.  Verse 11 is what we want to see “For so an entrance shall be ministered unto you abundantly into the everlasting kingdom of our Lord and Saviour Jesus Christ.”
    There is an abundance entrance prepared for those who are saved, and God wants all men to be saved.  Therefore there should not be any reason for people to think that they are not able to be saved, for God has made them able, and following His commands will make them worthy.  I John 5:3 states, “For this is the love of God, that we keep his commandments: and his commandments are not grievous.”