**
In the water-and-Spirit rebirth that takes place at baptism, the repentant sinner is transformed from a state of sin to the state of grace. Peter mentioned this transformation from sin to grace when he exhorted people to “be baptized every one of you in the name of Jesus Christ for the forgiveness of your sins; and you shall receive the gift of the Holy Spirit” (Acts 2:38).
**
Where does he mention the transfer happening at baptism?
The context of Jesus’ statements in John 3 makes it clear that he was referring to water baptism. Shortly before Jesus teaches Nicodemus about the necessity and regenerating effect of baptism, he himself was baptized by John the Baptist, and the circumstances are striking: Jesus goes down into the water, and as he is baptized, the heavens open, the Holy Spirit descends upon him in the form of a dove, and the voice of God the Father speaks from heaven, saying, “This is my beloved Son” (cf. Matt. 3:13–17; Mark 1:9–11; Luke 3:21–22; John 1:30–34).
You are over generalizing. For every religous group, there are the hard core and the general majority. I can also generalize the everyday catholic who goes through the rituals but does not mean it. Commit sin Monday-Saturday, confess sunday, take breads, commit sin Monday-Saturday, confess Sunday, take bread. But that would be attacking people, not the real issue
Not everyone uses the sinners prayer approach as you stated. I agree that there is a danger in the sinner’s prayer approach. A man cheats on his wife, and the wife is willing to forgive him, she would not have to walk him through an apology, if he was truely sorry, he would know how to apologize. As such, a repentful heart towards God should come from the heart, and not recited to him.
But attacking an over generalized approach goes off the topic. That is the easiest think to do.
John 10
25 Jesus answered them, “I told you, and you do not believe. The works that I do in My Father’s name, they bear witness of Me. 26 But you do not believe, because you are not of My sheep, as I said to you.27 My sheep hear My voice, and I know them, and they follow Me. 28 And I give them eternal life, and they shall never perish;
neither shall anyone snatch them out of My hand. 29 My Father, who has given them to Me, is greater than all; and no one is able to snatch them out of My Father’s hand. 30 I and My Father are one.”
Does a shepard disown his sheep one day, then accept him the next, then disowns him again. Jesus says that no one can snatch His sheep away. If one falls out of a state of grace, then you are implying that someone can take away Jesus’ sheep, and therefore calling Jesus a liar.
Does your parent say to you today, you are my son/daughter, then the next day say you are not my child today, go do these things, and you can become my child again.