If you know you owe a debt, and you have a choice to pay the full debt, or to settle for a fraction of it, which will you choose?
What if you cannot pay the full debt? Then you'd likely be very, very eager to settle for a small balance, hoping to find relief and mercy from the one to whom you owe the debt. Any wiggle room in the balance would be met with great rejoicing.
Jesus is urging us not to waste our time. An offer is on the table -- God is extending grace to us. If we reject it, the debt must be paid in full. In the meantime, Jesus has come to extend grace and mercy to those of us who cannot pay.
May we be filled with gratitude at the grace extended to us, and may we not miss the chance to welcome such grace into our hearts.