You wrote:
“Even I, a mere human, know that when I forgive my son a debt, it no longer exists. I do not forgive his debt, then demand repayment...”
Your example is a poor one because there is no offending party. A financial debt in itself is not a sin or crime.
I know of a local story where a 16 year old stol something - really in his mind as a prank. The victim ended up having to pay $1100 to remedy the problem caused by the theft. The boy was caught. His parents paid the $1100 to the victim, but are forcing the boy to work all summer to pay it back to them. They are a very devout Christian family, and have undoubtedly forgiven their son, but they are still making him pay off that debt.
That would be a better example than the one you offered.
On the contrary, I was much offended! And if you don’t repay a financial debt, it is most certainly a crime.
If not - can I borrow $10,000 from you...