"Personal" Savior = Rediculous ?

So, I'm seeing more and more how the concept of personal savior and individual spirituality within Christianity is a real problem for real Christian maturity and understanding God. The thinking in general (thanks to the Protestant Reformation) is that all a believer needs is the Bible which is easily understood by every individual and a priest or a pastor or someone trained and educated in the Bible and interpretation is really not necessary. This seems to be exacerbated in the postmodern thinking that truth is a matter of individual perspective and understanding. The effect seems that if someone decides that a particular passage is to be interpreted a certain way there is no way nor any ground upon which to challenge that interpretation. The training of a pastor in the historical cultural settings, knowledge of the languages, understanding of theological historical trends and decisions, training and expereince in interpretation both modern and historical, spritual gifts, callings from God and otherwise credentials from people and institutions seem to evaporate before a strongly individualistic postmodern audience that believes whatever interpretation they decide to hold onto this week is the incontrovertible gospel truth for them, at least that week.
But it seems to be more insideous than that. Their understanding of God can be horribly corrupted and they don't even have the means or avenues in which these can be challenged and corrected. It's as if (to use a medical analogy) that someone has a horrible disease is offered a cure, but denies the ability as well as the conceptual possibility of a doctor to be able to cure them.
The effect of someone who believes that all they need is God and the Bible seems to miss the point that Christianity is not an inwardly focused spirituality as if it were some eastern religion, but that it changes not only who we are, but how and why we live in the world. Christianity really is a holistic religion that confronts all of life and from the inside out changes the world. If we are to take the new creation seriously (2 Corinthians 5:14 and following) then this needs to be much more than an individual reality into which no one else can penetrate or influence. To live as a Christian is to live in the community of the Kingdom of Heaven. This is to live in the world as it is being recreated by God through Christ by the power of the Holy Spirit and if we are not currently living in THIS reality NOW then how can we ever expect to enter into that reality later after we die?