"God is our creditor and we are His debtors by virtue of our sins.
No. We are indebted to God for our creation, both the first and second.
My point is God is not indebted to us, to pay our wage. Sin itself produces death.
God judges the wicked. He will NEVER punish the Just. He will NEVER clear the wicked. Why? Because if He did He would be unjust and wicked.
The difference we dance around is in your judicial philosophy. You believe divine justice is of a type as to make demands of God. If a person sins then God's duty as Judge is to punish that sin - not necessarily the sinner, as long as that sin is punished.
PSA theorists often give the example of you standing before a judge and another taking your sentence.
You murdered a child. You are guilty. But Jesus stands before the Judge as the sentence of death is passed and on your behalf takes that punishment for you. Justice does not care who is punished as long as the deficiency in the law is paid. So you, the murderer, is released and an innocent person is killed in your place. Justice is served.
I do not believe your judicial philosophy is just. I believe it is, in fact, evil. Justice is not about - as Calvin said - avenging the law, punishing every crime.
Justice is about being about righteousness.
If the Judge could make you "not guilty" by killing the guilty man in you and making you a new creation in Christ then Justice is a accomolished. The Law is fulfilled, but the righteousness (the same righteousnes) is manifested apart from the law.
The benefit is this does not make God commit sin. God still does not punish the Just. He still does not clear the guilty.