“And if any were to cast in prison a person who owed ten mites, and not the man himself only, but wife and children and servants for his sake; and another were to come and not to pay down the ten mites only, but to give also ten thousand talents of gold, and to lead the prisoner into the king’s courts, and to the throne of the highest power, and were to make him partaker of the highest honour and every kind of magnificence, the creditor would not be able to remember the ten mites; so hath our case been. For Christ hath paid down far more than we owe, yea as much more as the illimitable ocean is than a little drop.” - ST. John Chrysostom, Epistle to the Romans, Homily X, Rom 5:17
The problem with thinking the narrow definition of justification is "the lot" is to miss out on the goodies that follow: (using the above) the gift of all that gold, being led to the throne of the highest power, given a seat at the Table of the Maker of the Universe and a place in His eternal palaces forever.
All these are founded in the payment of the debt owed, but my goodness, our Giver God goes so, so far beyond just declaring us "not guilty!" I can't help but wonder if he might think that we're being ungrateful when we fixate on that to the exclusion of what He has brought us into in Christ Jesus!