ROFL! Lets look at the verse following Romans 3:21 then.
Romans 3: 22 even the righteousness of God through faith in Jesus Christ for all those who believe; for there is no distinction;
That righteousness has been imputed to us through His grace.
Romans 3:24 being declared righteous freely by His grace through the redemption that is in Christ Jesus,
One day you will understand. I hope its not too late for you.
That righteousness will be imputed to us at the last trump, just as the word of God says in at least 17 places that I have posted to you many times.
If you don’t curse God for not having a secret pre-trib rapture, perhaps you will be there with those of us that understood from studying his word, or not.