Your comment: “There is no forgiveness if I have to replace the window...That is me paying for my own sin...”
That may be a partial payment, but it may not pay fully for the inconvenience, etc.
Also it is not WORKS, it is a payment of a debt.
Do you remember the Our Father where we ask God to forgive us our trespasses as we forgive those trespass against us?
Sure do but that does not solve your problem...If you forgive the guy but then he doesn't replace your window, do you retract the forgiveness??? Or do you wait for the window to be replaced before you actually forgive???
Also, if Jesus said to the apostles “whose sins you forgive are forgiven, and those you retain are retained,” what would be the point of that statement? If we are to never worry about our sins, why would that statement even made? If they can retain sins, it has to mean something.