Do you see your error? Did Jesus pay for all sins? You deny that Jesus paid for all sins. You declare that Jesus only was a means of payment and the payment is not made until humans decide to ask Jesus to pay for their sins. So, Jesus atonement is not a reality until humans pray a prayer or somehow invoke God's appeasement through an action of their own design. Your position is no longer about God's grace. Instead, your position requires human effort as the means by which God is left with the decision to save by grace or destroy in wrath. What you are presenting is actually the essential teaching of the Roman Church which teaches justification by faith plus works, which causes God to be gracious.Christ is the propitiation for all sins, He was the means of appeasement. His death made it possible for God to forgive all those that would trust in His son while those that reject His son would still be under His wrath.
If as you posit Christ paid for all sin including unbelief then if God judged anyone that would be double jeopardy for those the He sent to hell. Plus you have to give a good reason that He sent anyone to hell since, as you say, all sins were paid for. So what were they being judged for?
You are not thinking your position through to the logical end.
I don't posit that Christ paid for all humans. I state, that Christ died for all humans that God has given to him. Thus the verses you share are also verses I share to point out God's particular choice of humans to whom Christ paid for all their sins. Because Christ paid for all their sins, they will believe and not perish. There is no double jeopardy and the entire Bible remains true without contradiction.
As I stated earlier, we have the same verses, but you interpret these verses in a way that you end up with an untenable contradiction. That is something you will either live with or you will resolve it. There is resolution, but the only resolution comes with you admitting that God is the determining agent, not man.