[topcat54]

Like personally apologizing to those you have hurt or stolen from; like making ammends; like asking for forgiveness; like repaying those you’ve stolen from ...

That's not atonement. That's restitution. There is a difference.

Ultimately all sin is sin against God and His holy standard. How do you atone for sin against almighty God?

[QBFimi2]

Atonement as per the OED 1933-1955:

1/ The condition of being at-one with others; concord, agreement. 1623
2/ The action of setting at one, or being at one, after discord; reconciliation. 1685
3/ (specifically in theology) Reconciliation or restoration of friendly relations between God and sinners. 1526
4/Propitiation by reparation of wrong or injury; amends, expiation. 1611

My point here is that it is all too easy for Christians to take the lazy way out. Do you think that’s what God wants - talk instead of action? I don’t think so.