Atonement is provisionalOnly he didn't pay us, he payed the Father. And the Father cannot collect twice without being unjust.
Nay it is your sloppy logic.
If it is not accepted sins are not remitted
John 3:14 tells us about the serpent on the stick
John 3:14 (KJV)
14 And as Moses lifted up the serpent in the wilderness, even so must the Son of man be lifted up:
those who looked to the upraised serpent were healed those who did not were not healed