There is a theory about sin and then there is the emotional reality.
If one regards this as factual atonement like a debt that daddy can pay to get one out of trouble, while one goes on causing trouble is one view.
I have met many believers who know the theology, but not how to apply it to their lives. Their lives are full of emotional games of staying safe and getting one over on others. As I get old, and see how things in life play out, facts are not enough. It is empathy, identity, being alongside others and feeling the pain. Listening to Jesus talking to the disciples, He loved them. He knew Peter wanted to see how things panned out, and was impetious but when he saw how things worked and how he failed, he would turn back. So confident Jesus was, he encouraged Peter to encourage the brothers to stay strong.
So love in ones heart changes how you view hurt, selfishness, caring, uplifting, forgiving, and living. This is not trying to be something one is not, it is literally becoming something Jesus has ordained. It is this realisation, standing at the foot of the cross, to see the depth of love Jesus had for us which is our life, our very lives, our inspiration, our joy and our peace. It is not something that dawns in a day, a year, a decade, but a lifetime.
So forgiveness for sin, is the opening of the door to the Kingdom and walking in His ways. Stumbling and getting up and walking on is part of it all. It is not about the perfect walk, but the walk and the heart.
Once one grasps Jesus's love and one begins to love as He loves, the theology of present and future fades away, because love and the walk, sharing and giving become the dominant issues. For those happy to still be lost in sin, bound by hatred, bitterness and unforgiveness, they have not begun to listen to Jesus or follow. Peter was in prison awaiting his execution in the morning, and sat praising God, lost in wonder love and praise. An angel appears and Peter finds himself walking free. Whether we are alive or dead does not change the reality of our walk in grace and love. It takes faith to see this and walk it.
God bless you