The point of this O.P. is can one be sinning by refusing water Baptism right?
We should not let men make what we do for God through His word a work. We all know we are saved by grace and it is what Jesus has done that saved us. The wages of my sin is death not baptism, so i must trust not in what I have done, but His finished work.
We are saved by grace through faith not of ourselves so where did it come from it comes from God through the words of Jesus that is Spirit and life and the words about Jesus. We are born again through what?
1 Peter 1:23
For you have been born again, not of perishable seed, but of imperishable, through the living and enduring word of God.
We are saved by what?
Ephesians 2:8
For it is by grace you have been saved, through faith—and this is not from yourselves, it is the gift of God—
Where does this faith come from?
Romans 10:17
New International Version (NIV)
17 Consequently, faith comes from hearing the message, and the message is heard through the word about Christ.
Romans 10:17
New International Version 1984 (NIV1984)
17 Consequently, faith comes from hearing the message, and the message is heard through the word of Christ.
How is this faith useless?
James 2
Faith and Deeds
14 What good is it, my brothers and sisters, if someone claims to have faith but has no deeds? Can such faith save them? 15 Suppose a brother or a sister is without clothes and daily food. 16 If one of you says to them, “Go in peace; keep warm and well fed,” but does nothing about their physical needs, what good is it? 17 In the same way, faith by itself, if it is not accompanied by action, is dead.
18 But someone will say, “You have faith; I have deeds.”
Show me your faith without deeds, and I will show you my faith by my deeds. 19 You believe that there is one God. Good! Even the demons believe that—and shudder.
20 You foolish person, do you want evidence that faith without deeds is useless[Some early manuscripts dead]? 21 Was not our father Abraham considered righteous for what he did when he offered his son Isaac on the altar? 22 You see that his faith and his actions were working together, and his faith was made complete by what he did. 23 And the scripture was fulfilled that says, “Abraham believed God, and it was credited to him as righteousness,”[Gen. 15:6] and he was called God’s friend. 24 You see that a person is considered righteous by what they do and not by faith alone.
25 In the same way, was not even Rahab the prostitute considered righteous for what she did when she gave lodging to the spies and sent them off in a different direction? 26 As the body without the spirit is dead, so faith without deeds is dead.
1 Corinthians 13:2
If I have the gift of prophecy and can fathom all mysteries and all knowledge, and if I have a faith that can move mountains, but do not have love, I am nothing.
And finally
Romans 8:15
The Spirit you received does not make you slaves, so that you live in fear again; rather, the Spirit you received brought about your adoption to sonship. And by him we cry, “Abba, Father.