We’ll see how his goes…trying to make a more in depth post on a portable device, so please bear with any potential mistakes in this post
Hi CrossofChrist! You are always welcome here, come any time.
Of course! I’ve just found that CAF has been too much of a distraction at times…
I put in red the part that defines the “debt view”. In the no-debt view, God does not take offense, he has already forgiven “before always”.
First, I think it should be said that this “before always” is something that must be understood as coming only through Christ’s sacrifice.
God forgives all people through Jesus’ death, which is also his offer of love to us (all grace comes to us by his death). But (assuming countless people are correct when they have confessed to others–e.g even on CAF–that they have committed mortal sins…of course I’m not about the state of people’s souls. But at least Adam committed a mortal sin, even if not more that him and Eve…but I think we both get what I’m trying to say

) some people don’t accept the forgiveness God offers. An analogy I think some Church Fathers used was how a doctor can’t cure a sick person who doesn’t show the doctor the wound they have. So some people don’t have God’s forgiveness “applied” to them because they refuse it.
He understands why people do what they do, and does not take offense.
Judging by Luke 19:41-42, 23:28, his reaction to the money changers in the Temple, and his emphatic message for all to repent, Jesus is very emphatic about turning to God (IIRC as Ratzinger would say, “an about-turn”) and abandoning sin. (Love the sinner, hate the sin. But hate that people sin.) He, like everyone else, had a natural inclination to life, life that he was willing to give up for a greater good in being obedient to the Father…and the agony in the Garden shows that he was distressed. I can’t imagine being “pierced for our offenses” was enjoyable.
He sees people’s “good intent”, that decision to act come from our (good) nature, even though our acts are so often done in ignorance (lack of awareness).
But there are mortal sins in addition to venial sins.
The view that God is justice, depending on the definitions, is one variation of the debt view, from my reading. CCC 2095 does not address the fact that our nature imbues a sense of debt. Even chimpanzees, as I posted long ago, have been observed to hold a debt toward others, and chimpanzees are hardly card-carrying Catholics.
CCC 271 elaborates a bit on God’s simplicity. It says that God’s justice is identical with his essence and will and power, etc.
While I would start discussing why our nature having a sense of debt would indicate something about reality, let’s forget about the term “debt” for now. I’ll also assume that you accept the reality of meriting and the loss of sanctifying grace when a mortal sin is committed.
When we sin, we have to be reconciled to God. To quote Ratzinger, “(Christ) in his love reconciles us and draws us up to God,” (Joseph Cardinal Ratzinger, Truth and Tolerance: Christian Belief and World Religions, trans. Henry Taylor [San Francisco: Ignatius Press, 2004], 97). So this entire discussion revolves around how Christ reconciles us. My stance is that it makes no sense to say Christ reconciles us to God if we are already reconciled to God apart from Jesus. If that is what you mean by"no debt", (and I still don’t have a good idea about what you mean) I have absolutely no idea how it can be harmonized with Catholic teaching. Reconciliation also presupposes that an “about-turn”, or repentance, is needed, has been achieved or that sin has been prevented.
God’s love can be understood by humanity, CrossofChrist. Cardinal Ratzinger, in rejecting Anselm’s view, was in essence saying “this is not love”. The Cardinal inserted an alternative, “This is Love.”
God is ineffable. Are you familiar with St. Thomas’ analogy of being?
I’m reluctant to copy anything lest I lose this post (since I’m not on a computer–yikes it has taken a while to write this!), so I’ll just say:
See CCC 42, 251.
I’ll also throw in a sales pitch for de Lubac’s
The Discovery of God. A great book, highly recommended to all by me

.
Saying we can’t know God’s love is our ending point, not starting point. We can say
that God is love, and that his love is infinitely greater than our own love, but our knowledge of
what* it is will always fall short of the reality. To comprehend God’s love would be to comprehend the Trinity. And we can’t do that, because we aren’t God.
In the no-debt view, God loved us before we loved Him, and forgiveness itself is love. God forgave you before you were born. God forgave humanity before He created, “before always”.
And Christ and sin?
So, to me the “mystery” concerning debt is not so.
How could it not be a mystery? It concerns our relationship to God. We can list the facts and say that xyz is true either because we know from our natural reason or because we know from Revelation, but to harmonize everything in a nice and neat way is not possible, for it would have to assume we can know God as God knows himself. To paraphrase something Pope Francis once said, we can’t have all the answers and ask for an exaggerated doctrinal security.
Ratzinger and von Balthasar both concluded “it is not given to man to see and express the whole in itself” (Ratzinger, “Principles of Catholic Theology. Building Stones for a Fundamental Theology”, trans. Sr. Mary Frances McCarthy (San Francisco: Ignatius Press, 1987), 169).*