God is our Governor and Judge, and Christ becomes a Priest and Victim. We have transgressed against God's law. God is the Judge. We are judged using His holiness as the standard. But men refuse to believe in this God, and gnash their teeth when His hatred of sin is faithfully pressed upon their attention.
Pecuniary offenses require payment.
Anyone with the means can pay this debt for another. No human has the means to pay someone's pecuniary debt before God. Penal offenses demand punishment, and unlike a pecuniary offense, God has the right to accept or reject a substitution on our behalf. Jesus is our substitute and pays our offenses, both pecuniary and penal, and God accepts His payment on our behalf. Part III, Christ, our Ransom Salvation is deliverance from a present danger.