Good words, we would understand the de facto saving occurred when the Roman and Jewish persecution was removed has indicated in Daniel chapter 7 and Deuteronomy 32 and Isaiah 59, and the legally saved entered physically and spiritually into an area like Eden, only without the law sending death.It's negative and harsh to admit that this world is a fallen situation.
But that's the situation. The cross made it legally possible for us to be saved.
The Change is the de facto saving. de facto versus legally possible.