Elin,
Like I said, all you have is pure rhetoric.
There is no scripture anywhere in the Bible which teaches that Jesus "paid the penalty you earned from sinning." Likewise there is no scripture in the Bible which teaches that your future sins are forgiven before you even commit them. All you can do is continue your rhetorical dance around these issues.
The Bible teaches that Jesus purchased you from dominion, not that He paid your penalty.
Isa 52:3 For thus saith the LORD, Ye have sold yourselves for nought; and ye shall be redeemed without money.
Redeemed - H1350גּאל - gâ'al
A primitive root, to redeem (according to the Oriental law of kinship), that is, to be the next of kin (and as such to buy back a relative’s property, marry his widow, etc.): - X in any wise, X at all, avenger, deliver, (do, perform the part of near, next) kinsfolk (-man), purchase, ransom, redeem (-er), revenger.
Act 20:28 Take heed therefore unto yourselves, and to all the flock, over the which the Holy Ghost hath made you overseers, to feed the church of God, which he hath purchased with his own blood.
Purchased - G4046 - peripoieomai
Middle voice from G4012 and G4160; to make around oneself, that is, acquire (buy): - purchase.
1Co 6:20 For ye are bought with a price: therefore glorify God in your body, and in your spirit, which are God's.
1Co_7:23 Ye are bought with a price; be not ye the servants of men.
2Pe_2:1 But there were false prophets also among the people, even as there shall be false teachers among you, who privily shall bring in damnable heresies, even denying the Lord that bought them, and bring upon themselves swift destruction.
Bought - G59 - agorazō
From G58; properly to go to market, that is, (by implication) to purchase; specifically to redeem: - buy, redeem.
Mat_20:28 Even as the Son of man came not to be ministered unto, but to minister, and to give his life a ransom for many.
1Ti 2:6 Who gave himself a ransom for all, to be testified in due time.
Ransom - G487 - antilutron
From G473 and G3083; a redemption price: - ransom.
Jesus died on your behalf. Jesus did not die in your place.
If Jesus died in your place then you would not have to die with Him.
Jesus purchased you from the dominion of sin and thus rescued you from certain death.
Rom 6:1 What shall we say then? Shall we continue in sin, that grace may abound?
Rom 6:2 God forbid. How shall we, that are dead to sin, live any longer therein?
Rom 6:3 Know ye not, that so many of us as were baptized into Jesus Christ were baptized into his death?
Rom 6:4 Therefore we are buried with him by baptism into death: that like as Christ was raised up from the dead by the glory of the Father, even so we also should walk in newness of life.
Rom 6:5 For if we have been planted together in the likeness of his death, we shall be also in the likeness of his resurrection:
Rom 6:6 Knowing this, that our old man is crucified with him, that the body of sin might be destroyed, that henceforth we should not serve sin.
Rom 6:7 For he that is dead is freed from sin.
The above does not happen under the Penal Substitution model for redemption is PURELY FORENSIC under the Penal Model. The body of sin is never destroyed under the Penal Model, the old man is never crucified under the Penal Model. Instead the convert comes to a NOTION of salvation (because they believe that a forensic legal transaction took place) yet their hearts remain defiled and they are still in bondage to ongoing sin.
You can believe in the Penal Model if you like and you can base the assurance of your salvation all you like. You will learn the truth at the judgement. The Penal model has only existed for 400 years and it was invented by the Reformers. It was an adaptation of the Catholic Bishop's Anselm's Satisfaction Model which emerged around the 11th century.
You care free to ignore history and you are free to ignore what the Bible actually states. You are free to call me a heretic who has no clue. You may be sincere in your belief but you are sincerely wrong.
There is no salvation in sin. The heart must be purified through repentance and faith and the conscience purged by the blood. If that does not happen, and it has most definitely not happened for someone who is still in bondage to the lusts of the flesh, then that person has not been redeemed.
Jesus came to redeem people from ALL INIQUITY. Jesus did not come to leave people WORKERS OF INIQUITY.
The professing Christian's who will be rejected at the judgment are those who never forsook their iniquity and thus remained its workers. I also bet that many of them with will have clung to the notion of Penal Substitution as the bedrock of their faith.
Mat 7:21 Not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father which is in heaven.
Mat 7:22 Many will say to me in that day, Lord, Lord, have we not prophesied in thy name? and in thy name have cast out devils? and in thy name done many wonderful works?
Mat 7:23 And then will I profess unto them, I never knew you: depart from me, ye that work iniquity.
Tit 2:14 Who gave himself for us, that he might redeem us from all iniquity, and purify unto himself a peculiar people, zealous of good works.