That is a church phrase. It doesn’t occur anywhere else. It is embedded in everyday language.
We need to repent and pay. And fear God.
God is love and love never hurts. Lust and want can.
There are universal laws. Church laws don’t necessarily reflect them.
Universal law include karma and another chance.
Do we need an intermediate to approach God?
Do we have free will and are we responsible for our own deeds?
If not how can we sin?