Our sin debt has been settled

I agree with the OP but only in the sense that it provides a way out for Christians. But as all with all ways out that aren’t reality based, has the potential to result in a new way of controlling people. The problem with a “no religion” solution is that any Tom, Dick or Mary can start a house church and start making stuff up. But, still, it’s better than the Old Testament, in the same way Jesus was an improvement and it’s better than Catholicism in the same way Protestantism was. But look what happened with those.
There aren’t many types of truth, there’s just truth, and we can only approach it. Anyone who claims to have it should be treated with suspicion.