Every time the regenerated child of God yields to his fleshly desires and sins, he is dead (separated from fellowship with God) until he repents and God welcomes him back in his fellowship. We should continually try to mortify the deeds of the body, but only Jesus was sin free.
Death is ("a separation- Strong's". literally or figuratively) James 1:14-15, Let no man say when he is tempted, I am tempted of God, for God cannot be tempted with evil neither tempteth he any man; But every man is tempted, when he is drawn away of his own lust, and enticed. Then when lust hath conceived, it bringeth forth sin; and sin, when it is finished, bringeth forth death - figuratively, a separation from God's fellowship. When man repents of a sin he has committed and God forgives him, he has been saved (delivered) and restored to God's fellowship.
James 1:15 says, " Then, after desire has conceived, it gives birth to sin; and
sin, when it is full-grown, gives birth to death." It seems that you are assuming every sin is "fully-grown" and death is only figurative. That is two extrapolations required to make your point valid. Respectfully, that's a stretch.
The reality is that we are inherently sinful, and that many of our actions and motivations are sinful though we may not realize it. God sometimes waits years before convicting someone of certain sins, but that person is not blocked from fellowship with Him during that time. As David writes in Psalm 103,
8 The Lord is compassionate and gracious,
slow to anger, abounding in love.
9 He will not always accuse,
nor will he harbor his anger forever;
10 he does not treat us as our sins deserve
or repay us according to our iniquities.
11 For as high as the heavens are above the earth,
so great is his love for those who fear him;
12 as far as the east is from the west,
so far has he removed our transgressions from us.
Our sins have consequences which God does not necessarily mitigate, but our fellowship with Him is based on the finished work of Christ, not on whether we have repented of the latest specific sin, of which we may be completely unaware.