Dave perhaps this article can help bring some clarity on this subject. I have included the article link at the bottom.
For Whom Did Christ Die?
John Owen's Trilemma
The Father imposed His wrath due unto, and the Son underwent punishment for, either:
1} All the sins of all men
2} All the sins of some men, or
3} Some of the sins of all men
{QUESTION: why does {2} require that it only apply to the Calvinist version of elect as Owen would suppose}
In which case it may be said:
That if the last {3} be true, all men have some sins to answer for, and so, none are saved.
That if the second {2} be true, then Christ, in their stead suffered for all the sins of all the elect in the whole world, and this is the truth.
But if the first {1} be the case, why are not all men free from the punishment due unto their sins?
You answer, “Because of unbelief.” @ pg 25-26
I ask, Is this unbelief a sin, or is it not?
If it be, then Christ suffered the punishment due unto it, or He did not.
If He did, why must that hinder them more than their other sins for which He died?
If He did not, He did not die for all their sins!”
Let them choose which part they will.
A logical question flows from Owen's words
Owen argues that Christ dying for sins means that unbelief (
itself being a sin) should not prevent unbelievers from being saved.
But if the atonement would save even those who never believe, then that seems to imply that faith is immaterial to salvation.
Is it possible to reconcile this line of reasoning with salvation by faith?
Clarification
To summarize the problem and the question:
Owen argues that Christ dying for a person means that unbelief would not stop that person from being saved, viz, "...why should that sin keep them from partaking of the fruit of his death more than their other sins for which he died?"
If, as Owen argues, the atonement means that unbelief doesn't disqualify someone from salvation, that seems to imply that faith makes no difference in whether one is saved.
The question then is how can faith making no difference in whether one is saved be reconciled with salvation by faith?
Parsing out what Owen is saying,
But this unbelief, is it a sin or not? If [unbelief is] not [a sin], why should [unbelievers] be punished for it? … If [Christ did die for the sin of unbelief], then why [would the sin of unbelief] hinder [the unbelievers from being saved any] more than their other sins for which [Christ Jesus died]?
The answer to the trilemma: While
refusal to believe is indeed a sin, the reason it keeps one from salvation is not due to it being a sin, but because unbelief, by definition, precludes belief in Christ, without which no one can be saved (Heb_11:6). As with all sins Christ died for, forgiveness for unbelief is only obtained through subsequent belief in Him.
While unstated, there is a premise both insidious and heretical that one must hold to make this argument without duplicity or cognitive dissonance: If one is seriously arguing that unbelief would not stop a person from being forgiven any more than any other sin, that is effectively saying that Christ’s death brings about salvation whether or not one believes.
To put it succinctly
If Christ died for one’s sins, then faith isn’t necessary for salvation.
Note that he is
not arguing that all for whom Christ died must eventually believe and be saved, no, he is saying they would be
saved despite not believing! Any Bible-believing Christian should be horrified by such a godless and contra-scriptural idea. That faith is absolutely necessary to be saved is all over the New Testament (Joh_3:16-18, Act_13:39, Rom_3:22, Rom_5:1, Rom_10:9, Gal_2:16, Gal_3:22, to give a few references). How in the world can an allegedly Christian theologian be arguing that lack of faith wouldn’t stop someone from receiving forgiveness?
If such a premise were true, it would entail that whether one believes has no bearing on whether he obtains salvation.
And if having faith has no bearing on obtaining salvation, then one can only conclude that
salvation is not by faith.
While Owen’s trilemma and the similar arguments derived from it may seem superficially persuasive if one doesn’t spot their weakness, examination of their underlying ideas reveals more than was intended. One who argues that the atonement would save even those who never believe necessarily (except for reason of ignorance or sheer cognitive dissonance) holds a view of redemption that not only lacks scriptural support, but violates one of the central tenets of Christianity in denying salvation by faith altogether.
Extra data re Owen's thought
It should already be evident that one cannot argue that a person would be saved in spite of unbelief without assuming that belief isn’t necessary to be saved. Though Owen phrases it as a question in his famous trilemma argument, he confirms elsewhere in the same work that this is what he actually believes:
Fourthly, if this reconciliation of the world consists (as it does) in a non-imputation of sin, then this is either a non-imputation of all their sins, or only of some sins. If it is only of some, then Christ saves only from some sins. If it is of all sins, then it is of unbelief also, or else unbelief is no sin; if that were true, then all the men in the world must be saved, because their unbelief is pardoned. The world here, then, is only the world of blessed, pardoned believers, who are “made the righteousness of God in Christ.” (John Owen, The Death of Death in the Death of Christ, Book 4, ch 3) pg 170
The Cancer in Calvinism