In 1 Corinthians 9, could Paul really become 'disqualified,' and is he speaking about salvation?

Protestants say this because of their theology, which goes back to dispensationalism and its habit of separating passages that speak of reward into two components, salvation and a separate personal reward. They do the same thing with 1 Corinthians 3, where Paul says we build on the foundation of Christ with gold, silver, and precious stones or with wood, hay, and stubble, and the work is tested by fire. They read verse 15, he will be saved yet as through fire, as a man barely escaping a burning building, keeping salvation but losing a reward. But that ignores that bad works are sins; when I debated James White on this, he could not show anywhere in the New Testament where bad works are not equated with sin. And they ignore verses 16 and 17, where Paul says you are the temple of God, and if anyone destroys God's temple, God will destroy him, which is hell. So the passage lays out heaven, the purgatorial fire of verse 15, and hell. The reward Scripture speaks of is eternal life itself, and you have to ask what more you could want than heaven. So yes, when Paul says he could become disqualified, he is talking about the real danger to salvation, not merely losing a bonus.