The Bible says those who are born-again "they shall never perish" (John 10.28). That settles it. This is my experience too. The reason a person has to get saved is because they are unsaved. You're never saved first. Otherwise, there would be no need for Jesus to die on the cross for your sins. Being born into sin leads to death and the second death which is Hell.
What happens is you are born into sin. God abides in the age of accountability to save that person if they lose their life before that moment because God is a just and fair God. At that very moment of the age of accountability, different for each person, a death sentence is accorded to you and the second death which is Hell unless you respond to God's grace that is sufficient for all which can save you. Jesus said there is no way to the Father accept through the Son, speaking of Himself since He is God.
Nobody is saved [automatically] at the age of accountability. To be saved you must be born-again. If by the end of your life you still have not repented and believed in the Lord Jesus as Savior, you will be eternally separated from God. You've basically said you want to be eternally separated from God, so you send yourself to the Lake of Fire for all eternity. That's very sad. But if that is what you want by rejecting Christ, God will let you have your wish. He must respond righteously. He lets you have your free will. He won't coerce you into loving Him back.
What's interesting to me is that God will not prevent the creation of those who will be saved and love Him on account of those who will refuse His love, mercy and grace. That's an amazing statement to me according to Molinism.
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