You have once again assumed your conclusion rather than proved it from Scripture. No Christian says faith pays for sin or that Christ merely made salvation possible. Christ alone accomplished redemption. The question is when God justifies the sinner, and the passages consistently answer: "justified by faith" (Romans 5:1), "all that believe are justified" (Acts 13:39), and "a man is justified by faith" (Galatians 2:16). Romans 5:18–19 speaks of the basis of justification in Christ, not the timing of its application. You continue to conflate the accomplishment of redemption with the application of justification, but those are not the same thing, and no passage says people were justified years before they believed.