 We don't deserve, we deserve death from our sin, but he died on the cross, something that none of us could have done. But we owe him. We owe him big time. And I don't think anybody sees it that way, or I shouldn't say anybody, but a lot of nonbelievers don't believe we owe him anything. In fact, they think that God is there for us, for our pleasure, and he owes us. That's the worldly view, isn't it?