Personally. NOTE: Personally...
I feel like losing your rewards has to do with Stewardship and brings to mind the parable of the talents, 2 Vineyard parables...each vineyard parable says something different and it's late for me but I can type out my take if you'd like.
A good steward of the resources that he/she has been entrusted with will be given immeasurably more. Those that are poor stewards and take a lackadaisical view of stewardship I would say need to take a closer look.
Stewardship is a concept that has been DRILLED into me. Not by my parents or really a lot of teachings I've heard (as they are infrequent) but by the Lord indirectly though many things (Scoring, grading, earthly rewards). I've taken it to extremes though and tried to apply it across the board to everything...which I believe is Christ's job not mine.
What does it mean to be a Trustee of the light that is within you? To be a caretaker of the tabernacle/tent/temple that is your body? To guard your tongue and use your words wisely? To guard what you watch, what you hear, what you eat, how you play, who you hang out with? You can go rather far and I do believe the Lord will reward us according to how we have written the word on our hearts. Did we carry it out?
The parable of the 10 virgins also comes to mind in regards to stewarding your oil. Not being foolish with the grace that you have.
I'm visualizing holding a candle. If it's raining are we guarding it with our hand. Stewarding it? Do we take the attitude, eh...if it goes out...the Lord will relight it surely? Besides...I'm getting wet, who cares about my light right now? We KNOW it's raining and we need to be careful.
If a gust of wind came seemingly out of nowhere and blew it out when it was calm as can be?
Different situations can teach us different things. The latter situation I would say is a reminder to constantly be on guard. Watchful. Expectant. Steadfast. The former...a heart condition, or maybe just new faith.
Regardless, some things are between you and the Lord. I think the concept of stewardship is easily seen. I'm not saying this to anyone specifically, just in general
P.S in regards to basing rewards off sin...I think our responses to it do matter and will be recompensed with the seriousness in which we warred against our flesh and the lies of the enemy and the world. Even something as simple as TV and idleness.