Matthew 24:12 KJV "Because iniquity shall abound, the "agape" of many shall grow cold..."
This is referring to believers.
Horrible persecution will cause many believers to do many horrible things.
Also, many will take the mark of the beast ... and lose their salvation because of it.
Won't be fun watching your family die of starvation because y'all refused to take the mark.
IMO, in Matt 22:14 Jesus is claiming that many who were called to salvation
do not end up being chosen to actually receive it.
The NT teaches us that several things are involved in finally being chosen, such as:
believers must endure in the faith until the end of life to receive eternal life.
This is why we say that salvation is a process (not a one-time event).
Care to see all the verses again?