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Feeling guilty and being over-indebted have much in common. You've done something wrong and now you're paying for it. The feeling of guilt is a flow of pain due to you from past recklessness, maybe from your original sin. The flow might abate if only you could redeem yourself. You're all set up to beg forgiveness. A payment is due, and if only you'd do your duty, you'd pay your dues, the pain might just abate. The language of guilt and debt seem inseparable: redeem, forgive, bondage, dues...