Thank you for joining in the conversation! The more that folks contribute, the better the Scriptures will be placed as the priority over human conjuring. That is my hope, anyway. Now on to your thinking.
One of the "sticky places" (imo) is that PSA prescribes that forgiveness of sins is tied to the wrath of God. Now this is partly correct in that the blood was shed on the cross, in the court rooms, in the garden, on the road,... but not until it was sprinkled in the heavenly temple was it effective. So, there can be no accounting for that wrath from God the PSA desires for until the sprinkling, the sacrifice was incomplete and unsatisfactory.
Also, we find that the Christ prior to the cross forgave sin. For example in Luke 5.
So, if I am making proper understanding of your question, it is not without blood shed that sins are forgiven, but twho shed the blood. The blood had to be shed by the Christ. This is presented in greater detail in Hebrews 9 then what I write here, and I posted some passages from that chapter in an above post, that might give you a better anchor to follow my thinking.
You also aligned "debt" as an issue. We (meaning everyone on the threads) have yet to present a Scripture that aligns debt with sin. What we find is that the Law decree violations were held against us, and as Colossians 2 states such were nailed by God to the cross.
This is substitute thinking, and again that is not really found Scripturally aligned as PSA would present it as being.
Consider this. A crime has been committed. The parties all show up at court and the offending party brings a sacrifice that will reconcile the breach. The offended is no longer offended for they are pleased and satisfied with the sacrifice.
Here is were we must be very careful to not overstate or understate the Scripture presentation.
Christ came into this world to be the sacrifice in which human hands (the offensive party) sacrificed. (Peter's statement in Acts 2).
However, this action was already known and talked about by the trinity and the prophets.
Christ, both as the high priest and the perfect sacrifice, enters the heavenly temple and there spreads His own blood in that place not made with hands. (Hebrews 9).
There is no demand for "justice.' For God is both the just and justifier of all in whom He justifies.
Now the "press" have been watching, but they only can accuse, mock, and distort and demand some debt existed and justice had to have punishment.
Therefore God sent out folks to tell of the reconciliation and authored a press release for public understanding.
8See to it that no one takes you captive through philosophy and empty deception, which are based on human tradition and the spiritual forces of the world rather than on Christ.
9For in Christ all the fullness of the Deity dwells in bodily form.
10And you have been made complete in Christ, who is the head over every ruler and authority.
11In Him you were also circumcised, in the putting off of your sinful nature, with the circumcision performed by Christ and not by human hands.
12And having been buried with Him in baptism, you were raised with Him through your faith in the power of God, who raised Him from the dead.
13When you were dead in your trespasses and in the uncircumcision of your sinful nature,
God made you alive with Christ. He forgave us all our trespasses, 14having canceled the debt ascribed to us in the decrees that stood against us. He took it away, nailing it to the cross! 15And having disarmed the powers and authorities, He made a public spectacle of them, triumphing over them by the cross. (Colossians 2)
God did it all with no wrath poured out upon the Son. For such wrath is being stored up for the rebellious ungodly (Rev. 16).
Hope this helps answer your question, and please make more inquiry and search the Scriptures for the truth!