Apples and oranges. The illogic of the version of atonement you seem to think is operative is clear, but your analogy doesn't hold up.

By the way, a lot of churches are working to pay off people's medical and student debt they can't reimburse, negotiating the amounts and the payments.

What defies all logic is that Americans continue to put up with the idea that you have to bankrupt yourself to get healthy or an education.