If I were to throw a ball through your window I would become indebted to you. I would have to pay to have the window fixed. If you forgave me because it was an accident the window would still have to be fixed. Debt must be paid; it would cost someone to fix the window, either me or you. Sin debt must be paid as well. The only way to be declared righteous, or debt free, is for Jesus to pay our debt. We can accept His payment or we can pay for it our self. There lies our choice, but the debt must be paid.