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“This is about rehabbing your soul and restoring the balance of justice.”

Jesus paid it all. There is no debt remaining.

“Be careful that no one takes you captive through philosophy and empty deceit based on human tradition, based on the elements of the world, rather than Christ. For the entire fullness of God’s nature dwells bodily in Christ, and you have been filled by him, who is the head over every ruler and authority.

You were also circumcised in him with a circumcision not done with hands, by putting off the body of flesh, in the circumcision of Christ, when you were buried with him in baptism, in which you were also raised with him through faith in the working of God, who raised him from the dead.

And when you were dead in trespasses and in the uncircumcision of your flesh, he made you alive with him and forgave us all our trespasses. He erased the certificate of debt, with its obligations, that was against us and opposed to us, and has taken it away by nailing it to the cross. He disarmed the rulers and authorities and disgraced them publicly; he triumphed over them in him.” - Colossians 1

“The Bible says there are three parts to repentance: (1) contrition, (2) confession, and (3) bringing forth fruits worthy of repentance.”

I’d love to see WHERE the Bible says that!

“It is true that sorrow from sin is not repentance. Judas felt remorse, but he didn’t repent (Matt. 27:3). Repentance is not just a resolve to do better; everyone who has ever made New Year’s resolutions knows how easily human determination can be broken. Repentance certainly is not penance, an activity performed to try to atone for one’s own sins.

But neither is repentance a solely intellectual issue. Surely even Judas changed his mind; what he didn’t do was turn from his sin and throw himself on the Lord for mercy. Repentance is not just a change of mind; it is a change of heart. It is a spiritual turning, a total about-face. Repentance in the context of the new birth means turning from sin to the Savior. It is an inward response, not external activity, but its fruit will be evident in the true believer’s behavior (Luke 3:8).”

https://www.gty.org/library/articles/A330/what-is-biblical-repentance

Repentance will lead to good works, eventually, but good works are NOT part of repentance. From the same link:

“It is the attitude of the publican who, fearful of even looking toward heaven, smote his breast and cried, “God, be merciful to me, the sinner!” (Luke 18:13). Repentance is not merely behavior reform. But because true repentance involves a change of heart and purpose, it inevitably results in a change of behavior.”

The very concept of indulgences degrades and negates the sacrifice of Jesus. As Paul rebuked Peter:

“We are Jews by birth and not “Gentile sinners,” and yet because we know that a person is not justified by the works of the law but by faith in Jesus Christ, even we ourselves have believed in Christ Jesus. This was so that we might be justified by faith in Christ and not by the works of the law, because by the works of the law no human being will be justified...I do not set aside the grace of God, for if righteousness comes through the law, then Christ died for nothing.”

If I need to do good deeds to be forgiven, “then Christ died for nothing.” “[Christ] made you alive with him and forgave us all our trespasses. He erased the certificate of debt...and has taken it away by nailing it to the cross.”

It is finished!