You say that all children including babies and the unborn go to heaven if they die before they reach the ‘age of accountability’. That means they must already possess eternal life. When they reach the ‘age of accountability’ and sin they then have to believe the gospel and be born again in order to be saved and go heaven when they die. But if all children from the womb to the ‘age of accountability’ already possess eternal life how can they lose it? You say that once saved always saved (OSAS); salvation is eternal and can not be lost. Please could you explain from the scriptures how you resolve this contradiction.
Putting all the pieces together we can see that God does not hold little children accountable for their sins. But when we “come of age” we become accountable (Romans 7:9) and have to choose whether to accept the Lord’s death as payment on our behalf (John 3:16) or remain accountable ourselves.
If we accept the Lord’s death, all our sins are forgiven (Colossians 2:13-14) and we’re permanently saved from the penalties due us (Ephesians 1:13-14, 2 Cor. 1:21-22). There is no contradiction.