Sorry. I come from a Penal Substitution Theory tradition so it is easy for me to slip into that language without meaning the same thing.Ok and so here is the root of my confusion with your view. Sometimes you talk about debt, sometimes you talk about the law, sometimes you talk about death, sometimes you refer to it as a penalty. It seems as though you change which part of that (I believe it is all of the above) you focus on based on which is more advantageous to your argument at the time. I think this is why I (and others) have a hard time understanding what you actually believe and why, in my opinion, you seem all over the place with your theology.
I believe "sin debt" in terms of Penal Substitution Theory is incorrect. When I speak if debts what I mean is our transgressions against God but not in the sense it literally creates a debt that must be paid. I believe these are sins that can be forgiven (like "forgive us our debts as we forgive our debtors").
That is why I have been trying to stay away from terms like "penalty" and "debt", but you keep pulling in that direction. Rather than looking at it as a "debt" we can speak of it as "wages". Christ experienced the wages of sin on behalf of the human family.