As an elder in a reformed church,I personally have found the biggest problem being in correcting the error many seem to fall into on this question.That is not so much the problem raised but Christs sheep being put under a false sense of insecurity,thinking they are unworthy to participate because they fail.I know some very godly people who have had this problem,they make the mistake of looking to thier sin instead of the saviour.As with many things this subject should be dealt with grace IMHO.