Hello Gen2Rev,
Would like to share with you more of my view, just for reference for anyone who may be reading that "IF" is a condition. Hope you forgive me for it being so long but hope something may be learned from it and it to be useful.
In my view Sin has been paid for. Though this is the question. Can you learn what Sin is from looking at the 10 commandments? If you say yes, then you, me, whoever is reading this knows that the commandments have been broken. In what way is there a person can reconcile this? God through Christ Jesus reconciled everyone in the world to himself and Christ on the cross paid for the sins of all of mankind.
Maybe the question begins to suggest: Has sin been truly been paid for all people in the world now today because of the Lord Jesus Christ in what He had done for the world; also God who loved the world to send His son to die on the cross. Though He rose His son from the dead on the third day.
Did Jesus Christ really pay for all people their sin? I believe it to be true. Can you learn about Sin by looking at the 10 commandments? Yes you can. Disbelief in God is probably the biggest broken commandment because there was a point in my life not know who God really was or the Lord Jesus Christ either.
So if you break the commandment does that make you a sinner?
If that breaking of the commandment makes you a sinner does that make you a sinner saved by grace? It does if you are a believer and have faith and in Jesus Christ. All human beings all of us are deemed sinners; though the price of sin has been paid for sin for all mankind, and God's wrath against sin was appeased because of the sacrifice of Christ; who was buried, and risen again by God.
Does a person who becomes a Christian who may seek God change in their life? Yes by the hands of God Himself and the person having their own personal relationship with God knowing that the holy spirit lives with-in them. God by the spirit will communicate to another person who is a believer having faith in Jesus.
Thank you for your time and consideration,
Matthew G.