Where does it say if you are committing a sin when Jesus returns that you will be punished for that throughout all of eternity if you otherwise embrace Christ as Lord and Savior? And why is that moment any different than at the moment of a traditional death? What if you see a car barreling towards you and the moment before you die you shout “HOLY SH-T”? Even Paul admitted that he did that which he did not want to do.