WHOA! You're really on a roll here, my friend. Of course you know these questions, answers, statements, verses, etc, etc, are all answered in the previous Posts "The Message of the Cross", "We Must Choose", "What does born again mean?" etc. Perhaps you see a need to start afresh?

In reading all of the above posts, I did not see the answer to "WHY"? WHY did Jesus have to die? WHY can't we just say we are sorry and forget it?

Because, "Without the shedding of blood there is no forgiveness of sin." (Hebrews 9:22b). This is a VERY DEEP subject. To save a lot of questions, time, etc, I would ask the readers to read some of the previous posts.

So since you've started a new one, I'll simply add a devotional from ODB. How's that?
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-GETTING
TO HEAVEN

Romans 3:21-28
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Believe on the Lord
Jesus Christ, and
you will be saved.
--Acts 16:31
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While working with third-and fourth-graders at our church's Vacation Bible School, I decided to give all 25 of the children a gift on the last day. But I told them that in order to receive it, they would each have to tell me how a person can get to heaven.

It was interesting to hear what these 9- and 10-year-olds said. Many were clear that salvation is through faith in Jesus Christ, but some were not yet equipped to explain the gospel. "You have to be good and go to Sunday school," said one. Another asked tentatively, "You have to pray to God?" Still another: "If you are nice to your friends and obey your mom and dad."

As I gently tried to direct the thinking of each child to the central element of salvation--faith in Jesus who died to pay for our sins and then rose again--I thought that these kids represented so many others in our world who don't yet understand the Gospel [Bible].

How about you? Are your ideas about salvation based on biblical truth? Think about the importance of what Jesus did for you. "Believe on the Lord Jesus Christ" (Acts 16:31). There is so much more at stake than getting a free gift for answering a question.
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-A Matter Of Faith ~
Jesus paid the penalty for your sins by His death. When you admit you are a sinnner and place your faith in Him alone for forgivenesss, you will be reconciled to God.~~
"That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God raised him from the dead, thou shalt be saved."
"For with the heart man believes unto righteousness; and with the mouth confession is made unto salvation." (Rom. 10: 9-10)
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-Believing Christ died--that's history;
believing Christ died for ME--that's salvation.
--ODB/DB