God wants to take you and me, the foolish, the weak, the lowly, and the despised, and make something perfect out of us. He wants to make us into His image.
This salvation is also an expression of grace that we cannot earn for ourselves. In order to attain our goal, we must likewise align ourselves with the will of God and make the required efforts.
We do not work for glory or money or a reward here on earth. Our goal is to share the glory of Jesus Christ in His kingdom. People must be able to see in our own personal development how powerful Jesus is, how powerful God is.
It does not make sense to put the blame on the neighbour in the hope of diminishing our own debt. The point is not the size of my debt. What counts is my remorse and my longing for grace. It depends on my repentance