Where does scripture teach that Jesus paid the debt of all men?
Really, you need to go there? He died for the "kosmos" Cameron, not a select few. John 1:29 1John 2:2 1John 4:14 There is no doubt in my mind when John uses kosmos he is referring to the whole world. If John thought Christ was only the Saviour of the Elect, it would have been very easy for him to say that plainly.
What you said earlier about it all coming to us by God's grace is true. What you refuse to see is that God only promised
believers eternal life. Believing the truth is
your responsibility but if left to our own devices it cannot happen which, is why
God meets us first with grace and truth. This is what the Calvies/Reformed types fail to see.
God does not regenerate you so you can believe, He regenerates you because you have believed. That is His promise to do and He keeps His promise. John 3:16 Grace enabled you to be free for that very reason to respond. How you cannot see the grace of God, which you have no problem understanding can bring a man back to life, but you cannot see that He can momentarily free a man's will for the purpose of being able to give his own response, from his own soul, completely baffles me.
It is no different after we are saved. You don't believe different to me because God caused you to believe what you do, you've made your own choice as to what to believe just as I have and what's more, we will both give an answer for that.
God does not decide who believes and who doesn't believe, His election (choice) is what to do with the believers of this world. You and I have been chosen to be in Christ and to attain the full stature of the Son. Not all believers were chosen for this. Israel was baptized into Moses, not Christ. 1Cor.10:2.