It does apply to everyone. We are justified by faith. If you believe, you are saved. If you don't believe, you aren't.
Nothing in that passage talks of atonement. Your view is being propped up be eisegesis.
You said with reference to Whoever does not believe God has made him a liar, because he has not believed in the testimony that God has borne concerning his Son that this referred to justification, but since only the elect are justified by faith it follows if youre correct that the non-elect are damned because they dont believe that the elect are justified, which doesnt make any sense. For the passage to make any sense the testimony concerning Christ must apply to everyone so that by not believing it one damns oneself.
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