I'm jumping back in.
JCR, "saved" is a term that kind of makes me whince too, but it's actually an acurate statement. We all sin. You, me, Bono and, as much as Republicans don't want to hear it, George Bush.
Sin, to define more, can be seen as crimes against God. God is perfect, holy and pure -- i.e. the total opposite of us. We are selfish, flawed beings. His ways are right, our ways are too often wrong. We rebel against his very nature. The Bible (yes, I'm quoting the Bible! Take cover!) tells us the wages of sin is death. This refers to a spiritual death as well. So by our very nature, we go against God.
To have our crimes erased, or forgiven, something has to die in our place, for the wages of sin is death. It used to be people would sacrifice a lamb to "atone" for their sins. The lambs even had to be spotless, or "perfect."
That was B.C. Then came Christ.
Now in the A.D., Christ is considered our spotless lamb. He, being both fully God and fully human, lived a "spotless life" and died on the cross for all of humanity's sins. He could do this because he was God. For the same reason, he rose from the dead. (It would be so cool to be God for a day.) That's the genius of it. God came down here, into enemy territory, and beat death. He did this for all of us, too.
So here's the deal now, with God paying the penalty of death, we don't have to pay the price. This DOES NOT mean we have free reign to sin, as some people may think. However, when we do sin, and man do us Christians like to sin, we can humbly and sincerely ask for forgivness, and receive it with confidence if we do it remembering that Christ died for that very reason.
To sum it up, God created us and gave us free will. What fun would it be if we didn't have free will? We, being morally weak, decided to go the wrong way, and in respecting free will, God gave us the right to chose whether we want to make it right. He gave us the option of making a U-turn. It's not something we can make right, but something that has been made right through Christ. It's not our doing. That's called Grace. This is the Grace that Bono sings about in the song of the same name, and the Grace we hear about in "Amazing Grace."
God wanted a relationship with us, so he died for it to happen. We just have to want it too.
Sorry this is so long, if you've actually read all of this, you get five bonus points and I'll send you a gift certificate to Applebee's.