The point of the atonement is to make us clean so that we may re-enter the presence of God (3 Nephi 27:19). Sin has made us filthy. But what is this filth? Yes, we can say it is sin that we have committed, but where does this filth actually exist and why? And why do we need it removed to be in God's presence?
The scriptures tell us that God so loved the world that he gave his only begotten Son (John 3:16). Why? To please himself? Did Christ really perform the atonement because Heavenly Father insisted for self indulgence? What kind of a God of love would that be?
I believe Mosiah 2:38 answers these questions. "Therefore if that man repenteth not, and remaineth and dieth an enemy to God, the demands of divine justice do awaken his immortal soul to a lively sense of his own guilt, which doth cause him to shrink from the presence of the Lord, and doth fill his breast with guilt, and pain and anguish, which is like an unquenchable fire, whose flame ascendeth up forever and ever."
This demonstrates that it is us who demands justice: Our "immortal soul". It also is stating that it is our own sense of guilt that causes us to stay out of God's presence. In addition to this it is saying that it is us who send ourselves to hell.
So how does this fit in with statements about Jesus being the judge, and the saints being judges etc? I believe this refers to the idea that any person who has taught us any truth is our judge in the sense that their words stand to praise or condemn us. Depending on whether we listened or not. Christ provided the atonement that anyone can accept. If a person doesn't then that also stands as condemnation in that judgement of ourselves. His words stand to condemn or praise; depending on our acceptance also.
Heavenly Father arranged for a saviour to come into us and do the suffering on our behalf. But this requires us to open to him and to really repent. A truly repentant person doesn't go out doing the same thing again. Jesus was the chosen saviour. And he suffered for these sins in the garden.