It shall be a jubilee for you. Extravagance is always a factor in the equations of Divine mathematics. Setting the captives free. Letting the land itself rest. In the year of Jubilee we acknowledge that we cannot repay the debt we owe to God for creating the earth and the heavens, for giving us life.
Love is a gift.
Salvation is a gift. Life is a gift. Something totally unearned. Given by a gracious God for God knows what reason. There's nothing YOU can do.