Again, you are offering a question concerning philosophy and not Scripture.
But let us look first at the position that sin accrues a debt. I don't read that in the Scriptures.
What I read are statements of sin enslaving, such as found in Proverbs 5:22.
As such, the Law of God has decrees that humanity violate and that is related as a debt by Paul:
13And
you, who were dead in your trespasses and the uncircumcision of your flesh, God made alive together with him, having
forgiven us all our trespasses, by canceling the record of debt that stood against us with its legal demands. This he set aside, nailing it to the cross.
The "record of debt" is not the "price of sin."
It is a record of deeds done. It is seen at the last judgement as "books" opened and the deeds of humankind being displayed.
Some present that sin demands payment.
Yet Sin isn't a employee or customer, but
the employer - the owner. The customer pays the employer and the employer pays the employee. The wages the employee, of the employer called "sin," is death. We all die. There is no debt owed sin as one of our culture ascribes that owed.
So, then that issue resolved, let us not forget how the sinner is justified.
The Scriptures state that one who relies upon the Law is alienated from Christ. (Galatians 3 and 4)
So what is Pauline justification:
21But now
the righteousness of God has been manifested apart from the law, although
the Law and the Prophets bear witness to it—
22the
righteousness of God through faith in Jesus Christ for all who believe. For there is no distinction:
23for
all have sinned and fall short of the glory of God,
24and are j
ustified by his grace as a gift, through the redemption that is in Christ Jesus, 25whom God put forward as a propitiation by his blood, to be received by faith.
This was to show God’s righteousness, because in his divine forbearance he had passed over former sins. 26It was to show his righteousness at the present time, so that
he might be just and the justifier of the one who has faith in Jesus.
It did not take God pouring out His wrath upon the Son to bring both justice and one justified. It was the propitiation BY HIS BLOOD that God put forth.
That same offering portrayed in the OT atonement was there at the crucifixion. No wrath from God for He was satisfied, pleased, and as a result exalted above measure the Son.