Why Do Unbelievers Go To Hell?
Reply:
"Believing" as required in the Bible is not mere mental assent. To be precise, "believing" in the Bible means trusting, relying and leaning on what Christ did on the cross for our sins. It's the spiritual hand that makes use of the atonement that God provided on Calvary's cross.
The same way a critically ill and infirm man will not be healed if he doesn't avail of the only medicine that could cure him, so a sinner will not be saved if he doesn't appropriate by faith the only atonement for sin that the Savior provided on the cross. What's crucial and critical is the payment for sin and our connection to it. And believing or faith is that saving linkup.