As Lord and Creator, God is due perfect obedience from all mankind, but sin disables us from doing so, and we are in debt to Him. If one does not pay a debt, the debtor would be reprimanded for it. Because we cannot pay our debt to God, we deserve punishment. However, Christ paid the debts of His people by giving up His own life in order that their debts may be paid. When we pray to be forgiven of our debts, we remind ourselves that we owe Christ our lives because He paid our debts to save us. This is also a reminder for us to pray that He would change our lives, so that we may glorify Him by obeying Him.
