It is when they've already passed judgment which is exactly what my OP is pointing out. Christ says the same thing when he points out that those who don't believe are already condemned.
The difference is in the axioms "seeing is believing", and "believe that you might see". One who must rely upon their belief still operates AS IF they believe what they see. The problem is that most people who claim their beliefs don't actually operate as if they've met Christ. In other words, they continue to justify sin in their lives. I've pointed this out before, but it's worth repeating. No one can knowingly sin without coming up with some sort of rationale or justification. This is an abomination according to Christ. It matters not one bit how insignificant it may seem to you at the time, no one who sins can have a clue to the gravity of what they're doing.
That can only come by revelation, and when it does happen, I don't see how one can come up with any rationale for sin ever again.
There's this idea among Christians that grace allows us to sin with impunity. We don't deserve God's grace while we continue to sin, but grace is what conforms us to the image of Christ. Not our will, or efforts to conform, but God's grace through Christ's perfect faith.
No doubt falling on the mercy of the court is the most obvious thing to do, and my scenario is essentially no different than what happens when one is confronted with their own depravity. Perhaps the gift of repentance isn't presented immediately for everyone. How does one live with this existential reality in their lives in the meantime? Perhaps that would be a better way to put it.
For anyone who has experienced extreme and intense grief for an extended period of time, it can be extremely exhausting. At some point one has to somehow pick up the pieces and get on with life as best they can or simply end it all.