Seems like sins are not paid by dying or the ransom if there is a judgment in-spite of it. How do you see it?
It is the destiny of everyone - believer and non-believer alike to be judged. (Hebrews 9: 27) But, they are not all judged at the same place, at the same time, or for the same reason.
Unbelievers and heretics, having rejected the salvation of God for a vicarious death and punishment in Jesus Christ, must then be judged by their own works, having rejected the work of Christ on Calvary Hill. This judgement takes place after the Millennium Reign at the Great White Throne. Here, they will be resurrected and stand trial in their fully integrated body, soul and spirit. This is the "resurrection unto damnation".
Also written about here: "The rest of the dead did not come to life until after the thousand years were finished".
The righteous dead, with their souls already in heaven will also be fully integrated with their body, soul and spirit in a glorified form... like Jesus had after his resurrection. This is the "resurrection unto life".... also known as the First Resurrection. They will be judged at the Bema Seat Judgement, probably while the Great Tribulation is wrapping up and the last of those sealed are martyred. This judgement doesn't determine salvation. That issue was settled forever at the cross.
The Bema seat judgement, also known as the Judgement Seat of Christ, is for rewards... called crowns in the bible. There are several types of crowns that will be available to believers.
The idea of a resurrection of people for a second chance in a paradise earth is a complete fiction and is not supported anywhere in the bible. The survivors of the GT who are allowed in will repopulate the earth, not resurrected people.