There is problem that will not go away. If ones sins were forgiven and paid for on the cross and all is finished as the literal payment would present it, what matters if one believes or not? If the literal payment theory is true, and all is finished, all is finished. Can one’s refusal to accept or refusal to believe undo what is ‘finished’ by God? Can one by his own will’s rejection of a gift, undo what that is represented by the literal payment theory as set in stone never to be changed or altered?