HT: @Ichabod here.(Updated)
UOJ enthusiasts err when they confuse Christ's all encompassing sacrifice for sin with blanket absolution which they (then) capriciously translate into universal forgiveness and justification for all, thus eliminating the Holy Spirit’s work and activity of creating individual personal faith in the individual (soul) which then justifies.
-- Nathan M. Bickel - emeritus pastor
Pr. Nathan says it well and gets UOJ right in a nutshell.