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That is like saying paint was bought for this house and the house is painted regardless if it is actually applied to the house or not.
All that natural reasoning will not change the Truth. Those who Christ died for
are made Righteous by that one act of obedience Rom 5:19
19 For as by one man's disobedience many were made sinners,
so by the obedience of one shall many be made righteous.
Christ's Blood was applied by Him to God's Law and Justice ! See when Christ died, He was acting as Our High Priest, and as the type, on the day of Atonement would take the Blood behind the Veil into the Holy of Holies to apply before and upon the mercy, so Christ the AntiType took His Blood before the mercy Seat of God and it appeased God's Wrath against those the High Priest Represented. Heb 9:24
24 For Christ is not entered into the holy places made with hands, which are the figures of the true; but into heaven itself,
now to appear in the presence of God for us:
Christ the High Priest offered His Blood and Applied it to God's Law and Justice, Just as the Type use to apply the blood of animals.
The People had no part in this, they did not have to accept the Work of the Hight Priest, the Work of the High Priest did not need to be personally applied to them in order for God to be appeased , pacified, or propitiated.
The Success of the Work depended solely upon the High Priest and God. If God did accept the Work of the High Priest and he came back out from behind the curtains without dying by the Judgment of God, then all knew God was pacified for that Year.
So your application work of the Holy Spirit has nothing to do with the Work of the offering of the High Priest that satisfied God's Wrath against the people !
So you deny the work of Christ, no other way to put it. See ya at the Judgment !
Also,because of the success of this High Priest Work, the Elect are reconciled into the Favor of God, even while they themselves are enemies and unbelievers ! So that in and of itself lets us no that the Application of The Spirit has not taken place yet ! And yet they are reconciled to God !