Why do "saved" people stay in sinful situations?

And Lot lifted his eyes and saw all the plain of Jordan, that it was well watered everywhere (before the Lord destroyed Sodom and Gomorrah) like the garden of the Lord, like the land of Egypt as you go toward Zoar. Then Lot chose for himself all the plain of Jordan, and Lot journeyed east. And they separated from each other. Abram dwelt in the land of Canaan, and Lot dwelt in the cities of the plain and pitched his tent even as far as Sodom. But the men of Sodom were exceedingly wicked and sinful against the Lord. (Genesis 13:10-13)

Do you look at things according to the outward appearance? (2 Corinthians 10:7) We all do, and that's the first step that leads us into sinful situations.  Remember Eve's sin in the garden of Eden: So when the woman saw that the tree was good for food, that it was pleasant to the eyes, and a tree desirable to make one wise, she took of its fruit and ate. (Genesis 3:6) Lot had the same problem, when he and Abram decided they needed to separate because "their possessions were so great that they could not dwell together", he made his decision based on how beautiful the land looked, not considering the environment it would put him in. Then Abram moved his tent, and went and dwelt by the terebinth trees of Mamre, which are in Hebron, and built an altar there to the Lord. (Genesis 13:18)

Then the Lord appeared to him by the terebinth trees of Mamre, as he was sitting in the tent door in the heat of the day. So he lifted his eyes and looked, and behold, three men were standing by him;... Then the men turned away from there and went toward Sodom, but Abraham still stood before the Lord. And Abraham came near and said, “Would You also destroy the righteous with the wicked? Suppose there were fifty righteous within the city; would You also destroy the place and not spare it for the fifty righteous that were in it? Far be it from You to do such a thing as this, to slay the righteous with the wicked, so that the righteous should be as the wicked; far be it from You! Shall not the Judge of all the earth do right?” So the Lord said, “If I find in Sodom fifty righteous within the city, then I will spare all the place for their sakes.” ... “If I find there forty-five, I will not destroy it.” ... “I will not do it for the sake of forty.” ... “I will not do it if I find thirty there.” ... “I will not destroy it for the sake of twenty.” ... “I will not destroy it for the sake of ten.” So the Lord went His way as soon as He had finished speaking with Abraham; and Abraham returned to his place. (Genesis 18:22-33) 

Thank God that when we're in this world putting ourselves in situations outside of the will of God, there are people in our lives who pray for us, intercede to God on our behalf! Who is he who condemns? It is Christ who died, and furthermore is also risen, who is even at the right hand of God, who also makes intercession for us. (Romans 8:34) And because Christ Jesus intercedes for us, we can do the same for each other; Therefore I exhort first of all that supplications, prayers, intercessions, and giving of thanks be made for all men,... For this is good and acceptable in the sight of God our Savior, who desires all men to be saved and to come to the knowledge of the truth. (1 Timothy 2:1-4)

Then the men said to Lot, “Have you anyone else here? Son-in-law, your sons, your daughters, and whomever you have in the city—take them out of this place! For we will destroy this place, because the outcry against them has grown great before the face of the Lord, and the Lord has sent us to destroy it.” ... When the morning dawned, the angels urged Lot to hurry, saying, “Arise, take your wife and your two daughters who are here, lest you be consumed in the punishment of the city.” And while he lingered, the men took hold of his hand, his wife’s hand, and the hands of his two daughters, the Lord being merciful to him, and they brought him out and set him outside the city. So it came to pass, when they had brought them outside, that he said, “Escape for your life! Do not look behind you nor stay anywhere in the plain. Escape to the mountains, lest you be destroyed.” 

Then Lot said to them, “Please, no, my lords! Indeed now, your servant has found favor in your sight, and you have increased your mercy which you have shown me by saving my life; but I cannot escape to the mountains, lest some evil overtake me and I die. See now, this city is near enough to flee to, and it is a little one; please let me escape there (is it not a little one?) and my soul shall live.” And he said to him, “See, I have favored you concerning this thing also, in that I will not overthrow this city for which you have spoken. Hurry, escape there. For I cannot do anything until you arrive there.” Therefore the name of the city was called Zoar. (Genesis 19:12-22)

Eventually, we all have to "wake up" and realize the situations we're in are going to destroy us if we don't escape. However, just like Lot, sometimes we take our time and linger; but why? Because we don't want to change; we don't won't to go through the process of moving; we don't want to leave behind what's familiar; we don't feel we deserve better because we've been in the situation for so long; or the worse reason of all, we feel that if we're saved, God will forgive us anyway so why change... There are more excuses than reasons we can come up with.  None of these excuses are legitimate, nor will they work with God, For it is impossible for those who were once enlightened, and have tasted the heavenly gift, and have become partakers of the Holy Spirit, and have tasted the good word of God and the powers of the age to come, if they fall away, to renew them again to repentance, since they crucify again for themselves the Son of God, and put Him to an open shame. (Hebrews 6:4-6)

Regardless of why we're in the situations we're in, we don't have to stay in it; For if God did not spare the angels who sinned, but cast them down to hell and delivered them into chains of darkness, to be reserved for judgment; ...and turning the cities of Sodom and Gomorrah into ashes, condemned them to destruction, making them an example to those who afterward would live ungodly; and delivered righteous Lot, who was oppressed by the filthy conduct of the wicked (for that righteous man, dwelling among them, tormented his righteous soul from day to day by seeing and hearing their lawless deeds)— then the Lord knows how to deliver the godly out of temptations... (2 Peter 2:4-10) No temptation has overtaken you except such as is common to man; but God is faithful, who will not allow you to be tempted beyond what you are able, but with the temptation will also make the way of escape, that you may be able to bear it. (1 Corinthians 10:13)