A debt transferred from one person to another is still a debt that must be repaid or forgiven.
When Jesus died for all the sins of all men, He bought the debts of all men.
Now all men owe Jesus the debt for sin instead of owing the debt for sin to the Father.
So, instead of the Father choosing whose sins will be forgiven, Jesus now has the power to forgive the sins for whosoever He will.
This does not mean that Jesus has to forgive the debts of everyone (universal salvation).
Jesus still has requirements for people to follow before He will forgive their debt.
Jesus will not forgive the sins of anyone that does not meet His requirements.
Exactly, and the debt of the sinner can be re-imposed upon him--
Mat 18:23 Therefore is the kingdom of heaven likened unto a certain king, which would take account of his servants.
Mat 18:24 And when he had begun to reckon, one was brought unto him, which owed him ten thousand talents.
Mat 18:25 But forasmuch as he had not to pay, his lord commanded him to be sold, and his wife, and children, and all that he had, and payment to be made.
Mat 18:26 The servant therefore fell down, and worshipped him, saying, Lord, have patience with me, and I will pay thee all.
Mat 18:27 Then the lord of that servant was moved with compassion, and loosed him, and forgave him the debt.
Mat 18:28 But the same servant went out, and found one of his fellowservants, which owed him an hundred pence: and he laid hands on him, and took him by the throat, saying, Pay me that thou owest.
Mat 18:29 And his fellowservant fell down at his feet, and besought him, saying, Have patience with me, and I will pay thee all.
Mat 18:30 And he would not: but went and cast him into prison, till he should pay the debt.
Mat 18:31 So when his fellowservants saw what was done, they were very sorry, and came and told unto their lord all that was done.
Mat 18:32 Then his lord, after that he had called him, said unto him, O thou wicked servant, I forgave thee all that debt, because thou desiredst me:
Mat 18:33 Shouldest not thou also have had compassion on thy fellowservant, even as I had pity on thee?
Mat 18:34 And his lord was wroth, and delivered him to the tormentors, till he should pay all that was due unto him.
Mat 18:35 So likewise shall my heavenly Father do also unto you, if ye from your hearts forgive not every one his brother their trespasses.
Eze 18:23 Have I any pleasure at all that the wicked should die? saith the Lord GOD: and not that he should return from his ways, and live?
Eze 18:24 But when the righteous turneth away from his righteousness, and committeth iniquity, and doeth according to all the abominations that the wicked man doeth, shall he live? All his righteousness that he hath done shall not be mentioned: in his trespass that he hath trespassed, and in his sin that he hath sinned, in them shall he die.
Eze 18:25 Yet ye say, The way of the Lord is not equal. Hear now, O house of Israel; Is not my way equal? are not your ways unequal?
Eze 18:26 When a righteous man turneth away from his righteousness, and committeth iniquity, and dieth in them; for his iniquity that he hath done shall he die.
LA