Paul NEVER stated that Baptizm saves, ALWAYS that the Gospel does, and that is grace alone Faith alone!Of course Jesus said we are born again in baptism. Read John 3!
He told Nicodemus we must be born again and then he tells him how that happens, "Unless one is born of water and Spirit he cannot enter the Kingdom of God."
How do I explain all the Catholics AND Protestants who live their entire lives without showing any fruit or evidence of having received the new nature that is given upon regeneration!
Free will. We can either continue to accept or reject the love of God that has been infuse into our hearts.
How do you explain the millions of Catholics for the last 2,000 years that have shown exceptional fruit in their lives?
When was Cornelius born again? How do you know he was saved before he was baptized?
Did the thief on the Cross get dunked?