The sun will shine brighter when the darkness has passed. God has written every one of us into the creation story. There is only one story, and we are a part of it. That story began in creation and shows us how things ought to be; how we were meant to live in intimate relationship with God reflecting his loving character in creation.
If we communicate the grace we find in Jesus in terms of a banking analogy, we usually translate his sacrifice differently than he would. It is like having a bank account that is overdrawn because of our own bad spending. We are guilty of it, and stand in contention with the bank. We expect them to charge us overage fees, putting us farther into debt.