Do you want to know, O man, what you owe to God? That you have been created is credit from God; that you are capable of reason is a loan from God; that you possess the ability to distinguish good from evil is something you have received; and that you pledged to follow completely the rule for living according to the bond of the Law as God drew it up, you are not able to deny.
Meanwhile you act like a pig and wallow in mud through the vices of the flesh, and living like a beast on all fours, you are deprived of the reason with which you were endowed; in the raging waters of your sins you confuse good with evil because you have lost the ability to distinguish between them, and you squander the substance of the divine Law. Therefore, captivated by worldly pleasure you have become a lamentable debtor of a glorious loan. Regarding one who fails to reap any profit in the virtues, the interest compounded from sins is multiplied.
But although you have fallen in this matter, although you have fallen headlong into these calamities, take care that you do not lose hope, O man; you still have the means to make amends to your very merciful Creditor. Do you want to be absolved? Then love.
Sermon 94, sections 5-6.