There was a certain creditor which had two debtors: the one owed five hundred pence, and the other fifty. And when they had nothing to pay, he frankly forgave them both. – Luke 7:41,42
They had nothing at home or abroad that they could dispose of. Things had come to such a pass with them that they had neither stock nor money, nor anything in prospect which they could draw upon—they were brought to the last extremity—reduced to absolute beggary. Meanwhile, their great creditor was pressing them for settlement…We are all, by nature and by practice, plunged in debt—and this is the way in which we came to be so—hear it and mark it well! As God‘s creatures we, from the very first, owed to Him the debt of obedience. We were bound to obey our Maker! It is He that made us, not we, ourselves, and we were, therefore, bound reverently to recognize our Creator, affectionately to worship Him and dutifully to serve Him. This is an obligation so natural and reasonable that nobody can dispute it! …But, dear Friends, we have not done His will! We have left undone the things we ought to have done, and we have done the things we ought not to have done—and so we have come, in a second sense, into His debt! We now stand liable to penalty, yes, we are already condemned!
I remember when I felt the burden of sin and though, but a child, my heart failed me for anguish, and I was brought very low. Sin was no bugbear to scare me—it was a grim reality—as a lion, it tore me in pieces. And now, today, I know the reality of pardon—it is no fancy, no dream—for my inmost soul feels its power! I know that my sins are forgiven and I rejoice because of that belief, but I should never have known the real truth of this happy condition if I had not felt the oppressive load of sin upon the conscience. I could not afford to play at conversion, for sin was an awful fact in my soul. Our heavenly Father does not wish us to use lightness in a matter concerning which Jesus shed His blood—and so He brings us into trouble of soul—and afterwards into a vivid realization of Free Grace.
He Hath Said 