I agree with you.
.
PSA is based on the idea thar God cannot forgive sins and remain just (it is based on a specific judicial philosophy which, borrowing Calvin's words, holds the role of the judge is to avenge the law). A secular judge cannot forgive a crime any more than God can forgive a sin.
PSA views "forgiveness" from the perspective of man. We escape punishment therefore we are "forgiven" based on God punishing that sin or collecting that debt we owed. From our vantage it just looks like God forgave our sins.
As I understand PSA, Penal Substitutionary Atonement is a theological doctrine asserting that Jesus Christ died on the cross as a substitute for sinners, bearing the legal penalty (penal debt) of human sin to satisfy God's justice and wrath. It holds that God imputed human guilt to Christ, who paid the penalty in our place. Jesus became sin for us, thus enabling divine forgiveness for mankind, as they accept it.
Human sin and guilt is transferred to Christ. Then His righteousness and freedom from condemnation is transferred to believers.
I see no biblical reason to disagree with PSA. If this is a Calvinistic concept, then hooray for Calvin on this point.
I reject the Ransom Theory, that Christ’s sacrifice was a payment to Satan.
Some of the early church fathers posited the Christus Victor concept, that Jesus displayed His triumph over evil, by submitting to crucifixion, then rising from the dead. Humans were trapped in a prison of wickedness, and Jesus set them free. This is also true, but PSA completes the picture. It affirms the Gospel of Isaiah.
Isaiah 53
4 Surely he hath borne our griefs, and carried our sorrows: yet we did esteem him stricken, smitten of God, and afflicted.
5 But he was wounded for our transgressions, he was bruised for our iniquities: the chastisement of our peace was upon him; and with his stripes we are healed.
6 All we like sheep have gone astray; we have turned every one to his own way; and the Lord hath laid on him the iniquity of us all.
7 He was oppressed, and he was afflicted, yet he opened not his mouth: he is brought as a lamb to the slaughter, and as a sheep before her shearers is dumb, so he openeth not his mouth.
8 He was taken from prison and from judgment: and who shall declare his generation? for he was cut off out of the land of the living: for the transgression of my people was he stricken.
9 And he made his grave with the wicked, and with the rich in his death; because he had done no violence, neither was any deceit in his mouth.
10 Yet it pleased the Lord to bruise him; he hath put him to grief: when thou shalt make his soul an offering for sin, he shall see his seed, he shall prolong his days, and the pleasure of the Lord shall prosper in his hand.
11 He shall see of the travail of his soul, and shall be satisfied: by his knowledge shall my righteous servant justify many; for he shall bear their iniquities.
12 Therefore will I divide him a portion with the great, and he shall divide the spoil with the strong; because he hath poured out his soul unto death: and he was numbered with the transgressors; and he bare the sin of many, and made intercession for the transgressors.