Your statement that i highlighted is not from God's Word.
The Lord Jesus Christ directly connects "our debts" to sin.
In this manner, therefore, pray:
Our Father in heaven,
Hallowed be Your name.
Your kingdom come.
Your will be done
On earth as it is in heaven.
Give us this day our daily bread.
And forgive us our debts,
As we forgive our debtors.
And do not lead us into temptation,
But deliver us from the evil one.
For Yours is the kingdom and the power and the glory forever. Amen
“There was a certain creditor who had two debtors. One owed five hundred denarii, and the other fifty.
And when they had nothing with which to repay, he freely forgave them both.
Tell Me, therefore, which of them will love him more?”
Simon answered and said, “I suppose the one whom he forgave more.”
And He said to him, “You have rightly judged.” Then He turned to the woman and said to Simon, “Do you see this woman? I entered your house; you gave Me no water for My feet, but she has washed My feet with her tears and wiped them with the hair of her head. You gave Me no kiss, but this woman has not ceased to kiss My feet since the time I came in.
You did not anoint My head with oil, but this woman has anointed My feet with fragrant oil.
Therefore I say to you, her sins, which are many, are forgiven, for she loved much. But to whom little is forgiven, the same loves little.”
Then He said to her, “Your sins are forgiven.”