Can you please cite a Church docuмent explaining how grace is lost without sin?
Explain how the atheist above can be saved. You've dodged that question multiple times now.
Theologians are unanimous that for adults there can be no supernatural faith without explicit belief in at least the Rewarder God, with most holding that explicit faith in the Holy Trinity and Incarnation, are absolutely necessary by necessity of means in order to have supernatural faith.
Adults are required to have the proper dispositions for Baptism in order for the Sacrament to confer supernatural faith and charity. Period. In an infant, however, these infused supernatural virtues are latent until such as time as the individual reaches the age of reason, at which time he too is required to have the necessary dispositions for Baptism.