Those who accept Christ and come in obedience to Him are saved. It is that group that God predestined to be saved, not individuals. If it were individuals, then we have no choice in the matter, and that goes directly against Scripture.
Where would you say that collective aspect of election -- that God elect a group to salvation but not the individuals that make up the group -- is taught, esp. in the NT?
While the Bible uses a collective noun to describe all the elect, it also is plain that it is individuals that are elect, not merely the collective.
"The Elder, To the elect lady and her children, whom I love in truth, and not only I, but also all those who have known the truth, ... The children of your elect sister greet you. Amen." (2 John 1:1,13)
Christians are not Borg. God knows each one of us by name, and He calls us as individuals into His salvation.
"To him the doorkeeper opens, and the sheep hear his voice; and he calls his own sheep by name and leads them out." (John 10:3)
"So the last shall be first, and the first last: for many be called, but few chosen (elect)." (Matt. 20:16)
If it were individuals, then we have no choice in the matter, and that goes directly against Scripture.
And where does it say in the Bible that an unregenerate (spiritually dead) man has a choice in the matter? A person spiritually dead in their trespasses and sin has not more ability to make themself alive than Lazarus had to walk out of the tomb on his own power.
I think your presuppositions about what man is able to do with respect to his salvation is flawed.