Individual human lives are of such low value that the most that anybody could hope to die for is just one sin. In most cases; that leaves a pretty large balance to atone for. In contrast; the value of the life of God's son is such that his death can atone for an infinite number of everybody's sins.
The idea that anyone can "atone" for their own sins, whether one or many of their sins, is contrary to the gospel. It sounds like the idea of purgatory.
Serial sinners are up a creek with no paddle because they have but two lives to forfeit for sin-- the life they have now, and the one they'll have later at their resurrection; but unfortunately, one of those lives is ear-marked for Adam's sin so they can't use it to atone for any of their own sins. And when they're resurrected to stand trial at the Great White Throne event depicted at Rev 20:11-15; that'll be their last life because according to Dan 12:2 and John 5:28-29 there's only one resurrection allotted per person. And since the Bible's ratio is one life per one sin, then serial sinners will come up short
and never have sufficient lives to atone for a lifetime's accumulation of sins.
I don't see this "one life for one sin" atonement theory anywhere in Scripture. OTOH, Christ's one death atoned for all human sins.
The dungeons of hell can be compared to a debtor's prison.
● Matt 5:25-26 . .Come to terms quickly with your adversary before it is too late and you are dragged into court, handed over to an officer, and thrown in jail.
I assure you that you won't be free again until you have paid the last penny.
If this passage were referring to hell, then it would appear to be teaching that it is a place or state of existence that people eventually get "free" and out from.
Compare 1 Cor.5:
4 In the name of our Lord Jesus Christ, when ye are gathered together, and my spirit, with the power of our Lord Jesus Christ,
5To deliver such an one unto Satan for the destruction of the flesh, that the spirit may be saved in the day of the Lord Jesus.
Lk.12:57Yea, and why even of yourselves judge ye not what is right? 58 When thou goest with thine adversary to the magistrate, as thou art in the way, give diligence that thou mayest be delivered from him; lest he hale thee to the judge, and the judge deliver thee to the officer, and the officer cast thee into prison. 59I tell thee, thou shalt not depart thence, till thou hast paid the very last mite.
"This text has been considered a proper foundation on which to build not only the doctrine of a purgatory, but also that of universal restoration."
"Roman Catholic expositors understand this passage of purgatory; Universalists use it in support of their view of final restoration."
"“What is hell? Tis the separation from the enjoyment that the soul is capable of. They shall not come forth till they have paid the utmost farthing, then shall they receive mercy. For know that God is good, and He will not punish a finite being infinitely.”
"They must pay (as GMac says) the uttermost farthing -- which is to say, they must tender the forgiveness of their brethren that is owed, the repentance and sorrow for sin that is owed, etc. Otherwise they do stay in prison with the tormenters. (their guilt? their hate? their own filthiness?) At last resort, if they still refuse to let go that nasty pet they've been stroking, they must even suffer the outer darkness. God will remove Himself from them to the extent that He can do so without causing their existence to cease. As Tom Talbot points out so well, no sane person of free will (and the child must be sane and informed to have freedom) could possibly choose ultimate horror over ultimate delight throughout the unending ages."
The reason that hell is a debtor's prison is because the only payment for one's sins that God will accept is death. Well; it's death for each sin. So if somebody
has say, 200 sins to answer for, they'll only be able to pay for one because according to Dan 12:2 & John 5:28-29 there is but one resurrection allotted per person; not 200.
I don't see any support in Scripture for this theory that one physical death pays for exactly & only one of a person's sins. That would appear to be a very strange & unusual interpretation of Romans 6:23, which you referenced, if that is where you are imagining the idea. Certainly the verse doesn't say what you are saying, apart from reading your theory into it, between the lines, so to speak.
If absolute justice could be satisfied with torture, then hell's inmates could look forward to a release date. But alas; such isn't to happen because the only "coinage" the
Bible's God is in a position to accept in lieu of their own lives is His son's life.
Since God's Son's life has already been given for all, that is the guarantee that all will be saved. It is only a matter of time until all embrace Him. It is not an issue of if, but when. God will surely not let what His Son's death accomplished go for nought.
Bottom line: Christ's crucifixion is the final option. Those who refuse to take advantage of it, will cross over to the other side in poverty; with literally no way in hell
to pay their debts to God; thus they'll be stuck there.
They'll be stuck there "until" they pay what is owed to God, just like any other sinner who gets saved. God's love doesn't expire at death like the expiry date on a milk carton.
If God does not save all, is it because He is doesn't want to or because He can't?
In Hebrews 10 the one who set aside the entire law of Moses, not just one law, suffered death by stoning.
Hebrews speaks of those who reject Christ as deserving a "sorer" punishment than death by Moses' law, i.e. stoning:
10:28 A man that hath set at nought Moses' law dieth without compassion on the word of two or three witnesses: 29 of how much sorer punishment, think ye, shall he be judged worthy, who hath trodden under foot the Son of God, and hath counted the blood of the covenant, wherewith he was sanctified, an unholy thing, and hath done despite unto the Spirit of grace?
Stoning to death is not a very sore or longlasting punishment. People suffered far worse deaths via the torture methods of the Medieval Inquisitionists and the German Nazis under Hitler.
Therefore, if the writer of Hebrews believed the wicked would be punished with something so monstrous as being endlessly annihilated or tormented, he would not have chosen to compare their punishment to something so lame as being stoned to death. Clearly he did not believe Love Omnipotent is an unfeeling terminator machine or sadist who abandons forever the beings He created in His own image & likeness so easily.
Rom 5:18 Consequently, then, as it was through one offense for all mankind for condemnation, thus also it is through one just act for all mankind for life's justifying."
Rom 5:19 For even as, through the disobedience of the one man, the many were constituted sinners, thus also, through the obedience of the One, the many shall be constituted just."
https://www.tentmaker.org/books/hope_beyond_hell.pdf