According to Col 2. it was due to our debt due because of sin. This is more than an accusation. It is a legal debt owed.
No, that is not true.
Colossians 2:8-15 See to it that no one takes you captive through philosophy and empty deception, according to the tradition of men, according to the elementary principles of the world, rather than according to Christ. For in Him all the fullness of Deity dwells in bodily form, and in Him you have been made complete, and He is the head over all rule and authority; and in Him you were also circumcised with a circumcision made without hands, in the removal of the body of the flesh by the circumcision of Christ; having been buried with Him in baptism, in which you were also raised up with Him through faith in the working of God, who raised Him from the dead. When you were dead in your transgressions and the uncircumcision of your flesh, He made you alive together with Him, having forgiven us all our transgressions, having canceled out the certificate of debt consisting of decrees against us, which was hostile to us; and He has taken it out of the way, having nailed it to the cross. When He had disarmed the rulers and authorities, He made a public display of them, having triumphed over them through Him.
The passage does not speak of a debt that is due because of sin, but rather Christ canceling out the certificate of debt consisting of decrees against us, which was hostile to us - taking it out of the way, having nailed it to the cross.
You assume that Christ paid a legal debt owed due to our sins. But this is an assumption (it is you reading your theories into the text).
Instead I believe that we have been buried with Christ in baptism and raised up with Him through faith. We were dead in our sins, but He made us alive together with Him, having canceled out this certificate of debt.
I no longer share in your presuppositions. That is the difference and why we view this passage (and probably any passage dealing with the gospel of Jesus Christ) differently. I do not think anything needs to be added.