We have this sense that if we do a little good, it will make up for whatever bad we have done. It’s kind of like credit card debt: if I make the minimum payment the balance will go away, eventually. But if the debt is huge and increasing, there is no way it will be paid off in a lifetime. Spiritual indebtedness is the same – there is no way you can pay off your debt to God in your lifetime. You discover that doing business God’s way results in a tremendous saving (pun intended).