Will people be in Hell because of Sin?

I ask in this way, because I believe it has 2 answers. Yes and No. Yes, because of Sin generally. If not for sin, there would not have been a fall, and thus, people will go to Hell because of sin. However, they will not be in Hell because of their sin. Christ died for the sins of the world and thus, they will specifically be in Hell because of their unbelief.

I want to quote "Grace" by Lewis Chafer for a moment (breaking or bending my own rules, but I hope it triggers some biblical discussion).

"....through the substitutinary death of Christ for all men as Sin-Bearer (John 1:29; 2 Cor. 5:14,19) the ground of universal divine condemntation is now beause of the personal rejection of the Savior who bore the sin. This is set forth in His Word: "He that believeth on him is not condemnted: bue he that believeth not is condemned already, because he has not believed in the name of the only begotten Son of God. (John 3:18); "But he that believeth not shall be damnted" Mark 16:16."

"In confirmation of the fact that men are now condemned because of unbelief, it should be note that when the Spirit of God approaches the unsaved to convince them of sin, he does not same themk or blame them conerning the sins they have committed, instead he convicts them of the one sin only." Of sin, becuase they believe not on me" (John 16:9). So also, Christians are said to be free from all condemtnaion on the sole ground that they have believed on the Savior. (John 3:18. Cf 5:24; Rom 8:1; 1 Cor 11:32; 2 Cor 5:19)"

"At this point God offers but one remedy. That remedy is Grace."

"Men are either utterly condemned under the universal decree of the Judge of all the earth, or they are perfectly saved and safe in the grace of God as it is in Jesus Christ" Quotes are from pages 41-43.

I do not agree with everything Chafer says, but he puts this well in my opinion.

I submit that Christ died for all sin, and that people will only be in Hell if they do not believe in him. But, they will be in Hell because of sin, because with out the fall, we would not need a savior. All sin was put on Christ at the Cross. If we believe in Christ, we have life in his name or "eternal life."

Christ even died for the sin of unbelief. If he had not, we would all be going to Hell. But eternal life is gained by belief in Christ.

Thus, repentance cannot be a condition of eternal life, becuase the sin is already paid for. If we had to turn from it, then it was not paid for. If I must do something to have eternal life, then it is not unmerited, nor is it grace.

Eternal Security and Assurance: True or False?

My experience in India, as well as speaking to missionaries and pastors has convinced me that most who consider themselves Christians in the world, (especially in countries with severe persecution) either believe that you can lose eternal life, or believe in a faith that does not saved. (By that I mean they believe that a person can think they believe in Christ for eternal life, but they decieve themselves or did not believe strong enough, or long enough, etc. They prove they did not believe either because of a life of sin, a particular sin, or not enough good works depending on the flavor)

I would like to discuss the Biblical proof of Eternal Security, or Eternal Insecurity depending on your belief's. Please do not just quote a verse, but give your understanding of it, and please consider the context.

A secondary topic which would only apply to those who believe in Eternal Security is, can a believer know he has eternal life and will be with God for eternity.