And that is only your opinion Euphemia. It's not fact. I don't enjoy haranguing you over and over on this point but you really need to learn that you don't have a monopoly on the truth. What you have is a faith, which is what everyone else has too. Your version of it doesn't trump others'.I am only too aware of how others believe.
God will definitely hold unrighteousness against the unrighteous. If a person thinks he is saved by virtue of drops of water on his bald baby pate, he is wrong and is still in his sins. The word is clear about how we are saved.
There may be two or more understandings of baptism, but there is only one that the bible teaches---it is a symbol of our identification with Christ's death, burial and resurrection.