Most Christians believe in this basic story: God’s justice demands that those who fail to get a perfect score of 100 on the righteousness test, will go to hell. But humans are too noob so God has to get Jesus to take the test for them. God is happy to let any human into heaven as long as the human accepts Jesus as their perfect test taker.
This then generates questions like whether Jesus took the test only for those who eventually end up in heaven, or whether Jesus took the test also for those who eventually end up in hell because e.g. they reject the test criteria entirely; or perhaps tried to score 100 by their own effort, instead of relying on Jesus’ test result.
It’s strange that some people spend so much effort analysing the aforementioned questions, when the real question is: what kind of weird justice system condemns people to hell for failing a test, yet allows people to enter heaven by relying on someone else’s test result!? (But it’s k because God can do anything he wants. In fact, the more ridiculous it is, the better, because it just shows how much wiser God is compared to us dumb humans.)
Unfortunately, most Christians just mindlessly accept this faulty premise because it’s the popular model adopted by intellectually dishonest preachers.
Bible interpretation, theology, philosophy, etc., is a big complicated mess that few people are willing / able to tackle.
So, myriad variants of the same gibberish gets perpetuated by hordes of incompetent / dishonest “teachers”, and their lazy / naive / ignorant “students”.