Bryan Chapell, What Is the Gospel? (The Gospel Coalition Booklets; Wheaton: Crossway, 2011), p. 10:
Since the Son of God had no sin, his willingness to suffer on a cross and accept the penalty we deserve is far beyond any recompense that humanity could provide. Christ’s righteousness so overbalances our unrighteousness that his sacrifice is sufficient to compensate for the sin of the entire world and of all ages (Rom. 5:15–19; Heb. 9:26–28; 1 Pet. 3:18; 1 John 2:2). God accepted Jesus’ sacrifice as a substitute for our punishment (1 Pet. 2:24). He paid the debt to justice we could not pay (Ps. 47:7–9; Titus 2:11–14). His suffering atones for (covers) our wrongs (1 John 4:10). His death rescues us from the hell we deserve (Gal. 3:13–14).
For those of us who wrestle with guilt, Christ’s provision is amazingly good news. In prison my brother David cannot pay the debt for crimes he has committed any more than we who are guilty of sin can clear the debt we owe a holy God for our breaking his law. Yet because Jesus came to pay our spiritual debt despite our spiritual destitution, David and you and I can live with hearts free of shame.
Chapell weaves the story of his brother throughout the 30-page booklet.