A poor farmer went to his banker and said, "I've got some good news and some bad news." Which one do you want to hear first?
The banker replied, "Well let's get the bad news over with first."
The farmer said, "Ok, I've had a bad year and I can't pay the mortgage I owe you on my house." The banker was pretty disgruntled.
The farmer said, "And, I've had such a bad year that I can't repay any of the money I borrowed for my new machinery either." The banker was even more troubled.
The farmer added, "And, the money I borrowed to buy seeds and fertilizer, I have had such a bad year, that I can't pay you for any of that either."
The banker said, "That's terrible. I sure could use some good news now. So, what's the good news?"
The farmer said, "The good news is that I still intend to do business with you."
Aren't you glad that despite your total spiritual bankruptcy, God still wants to do business with you?
“But the man fell down before his master and begged him, ‘Please, be patient with me, and I will pay it all.’ Then his master was filled with pity for him, and he released him and forgave his debt" (Matthew 18:26-27).