The issue of "refusing" the New Birth does not really arise in the matter of salvation. All those who repent and believe on the Lord Jesus Christ receive the gift of the Holy Spirit, and it is the Holy Spirit who supernaturally regenerates the one who believes. Those who are born again submit themselves to water baptism by immersion (as practiced by the apostolic churches). In the Bible there was little or no separation between the two.
Acts chapter 2 is a critical chapter in Scripture since it describes the day of Pentecost and the results of the outpouring of the Holy Spirit and the harvest of souls. It also show how a true New Testament church was to function.
However too many have automatically assumed that water baptism is necessary to receive the gift of the Holy Ghost. Others have automatically assumed that those who received the Spirit all began to speak in tongues. But neither of these beliefs is correct. And to see that one needs to study the rest of Acts as well as the entire New Testsament. Baptismal regeneration is FALSE DOCTRINE.
What's necessary, in conjunction with belief in Jesus and water baptism, is to follow the words of Jesus literally in KJV-Luke 11:13, and to fully understand what Jesus' conditions are, in the nature and reality of
HOW He saves us, as He reveals in KJV-Revelation 3:20.
Yes, it IS ALL ABOUT being born again of/by His Holy Spirit. KJV-John 3:3-8.
We must be born again BY the Holy Spirit.
To side step HIS procedure in any way, is to remain to be "none of His". KJV-Romans 8:8-9.
This is HOW we "make our
calling and election sure". KJV-2 Peter 1:10.
Therefore, understand completely that all must recieve the literal Person of Jesus Christ Himself, aka God's Holy Spirit,
BY ASKING FOR HIM to dwell within you, and not beside you!! KJV-John 14:17. In other words, Jesus Himself is the Kingdom of God/Heaven.
All of the above references, are the act of being "born again" by God.
To only just believe in Jesus, is not the completion or fulfillment of faith!
We MUST have HIS FAITH within us, and that comes by no other way, except to personally invite Him into our very own life, and thereby exchanging our life for His Life.