I will start it by challenging the very nature of your analogy.
According the Bible, until we have faith we aren't saved. But, according to your analogy, the saving must occur at the exact time of Crucifixion.
How can you reconcile these two things? On the one hand, the payment is already done; on the other hand, without faith there is no salvation - and ...
From the Society of Evangelical Arminians:
Verses that show the atonement is available for all:
Isaiah 53:6 – The iniquity of us all was put on Christ.
Matthew 11:28-30 – Any who come to Christ are welcome.
Matthew 18:14 – The Father does not wish that any should perish (anti-predestined-reprobation).
John 1:7 – Jesus intended for ...