Good questions, Catholic Soteriology answer your above questions.
CATHOLIC SOTERIOLOGY ALSO EXPLAINS
"But if you do not forgive others their sins, your Father will not forgive your sins. " Matt 6:15
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Fundamentals of Catholic Dogma by Ludwig Ott;
Fallen man cannot redeem himself, (De fide). – It is God’s responsibility to save ALL OF US.
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Without the special help of God the justified cannot persevere to the end in justification, (De fide). – It is God’s responsibility TO KEEP US SAVED by His grace of Final Perseverance.
CCC 2016 The children of our holy mother the Church rightly hope for the grace of final perseverance.
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The salvation of every saved and predestined to Heaven is eternally protected by God’s gift of Final Perseverance, this is an INFALLIBLE PROTECTION of the salvation of every receiver. – This is an infallible teachings of the Trent and formal teachings of the Catholic Church.
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Without God’s gift of Final Perseverance everyone would die in mortal sin, (THERE IS NO SALVATION WITHOUT IT) while the receivers of His gift of Final Perseverance NO ONE can die in mortal sin because this is an INFALLIBLE PROTECTION of the salvation of every receiver.
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Those who are saved by God and predestined them to Heaven their salvations are infallibly protected by His gift of Final Perseverance, this means God causes them to act in line with His will.
So, there no such thing is that someone believes in God, saved, predestined to heaven and goes and murders orphans and widows or not forgive others their sins, because God causes their wills to be in line with His Will as follows.
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CCC 308 The truth that God is at work in all the actions of his creatures is inseparable from faith in God the Creator.
God is the first cause who operates in and through secondary causes:
"For God is at work in you, both to will and to work for his good pleasure.
Far from diminishing the creature’s dignity, this truth enhances it.
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CCC 307 God thus enables men to be intelligent and free, causes in order to complete the work of creation, … Though often unconscious collaborators with God’s will, they can also enter deliberately into the divine plan by their actions…
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As God Himself operates in our free wills, we don’t even have to know we are FREELY cooperating with His will.
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There is a supernatural intervention of God in the faculties of the soul, which precedes the free act of the will, (De fide).
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Aquinas said, "God changes the will without forcing it . But he can change the will from the fact that he himself operates in the will as he does in nature,” De Veritatis 22:9. 31. ST I-II:112:3. 32. Gaudium et Spes 22; "being …
CCC 2022; The divine initiative in the work of grace precedes, prepares, and elicits the free response of man.
St. Thomas teaches that all movements of will and choice must be traced to the divine will: and not to any other cause, because Gad alone is the cause of our willing and choosing. CG, 3.91.
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God bless