pilgrim,

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An analogy might be seen where every individual is found to owe an infinite debt which no one could conceivably pay. But someone comes along and pays that debt in full for each and every one of those individuals, thus the one to whom the debt was owed can no longer hold anyone accountable to pay for the debt, since it has been paid. But according to speratus' view, the one who holds the bond not only accepts the payment of debt, he continues to hold many of the debtors accountable for payment. And they, unable to pay the debt are hauled into court and found delinquent in their failure to pay and are consequently thrown into prison. Thus the owner of the debt is therefore guilty of breach of contract. He received that was owed, but continues to demand payment of those whose debt has already been paid.

But the unregenerate sinner does want Christ to pay his debt for him from the infinite treasury of His merit. Instead, he presents to the Judge his own works and merit in payment for the debt.