Just a portion of a sermon… taken from 1 Peter 3:18… For Christ also suffered once for sins, the just for the unjust, that He might bring us to God, being put to death in the flesh but made alive in the Spirit.
Let it never be said that God owed us this atonement. Let it never be said that He was obligated to provide grace. Grace only comes out His goodness and is given to those who realize their own sin, helpless to do anything about relieving themselves of this insurmountable debt.
The debt of our sin is far beyond anything we can tackle. If you piled up your debt, it would be as high as Mount Everest, at 29,029 feet above sea level. For some of us, it would be higher. And no matter how much we worked on trying to free ourselves of this debt, it would be impossible for us to do so. It would be like God requiring us to climb Mount Everest with a pick axe, then chip away a bucket full of rock, then heading off to the sea to dump the bucket. And once we got the entire mountain chipped away and dumped in the sea, then He would free us from the debt.