What verses, parables, people, might you use to show forgiveness (outside of atonement) does not require someone "paying" the penalty?
I would use Matt. 18 or Romans 3:25 but those takes a lot of explaining. Can you show forgiving someone does not mean you take their punishment?
"If we confess our sins, He is faithful and just to forgive us our sins and cleanse us from all unrighteousness." - 1 John 1:9
When we come before the throne of grace, confessing our sin, God forgives us.
Christ gave His Church the authority to remit sins, historically exercised through the office of the keys.
"Jesus said to them again, 'Peace be with you. As the Father has sent Me, even so I am sending you.' And when He had said this, He breathed on them and said to them, 'Receive the Holy Spirit. Whoever's sins you forgive are forgiven them; whoever's sins you retain are retained." - John 20:21-23
I think it's abundantly clear in Scripture that forgiveness is freely given.
But let's just talk about ordinary human relationships. If your friend does something that injures you, when you forgive them what's going on? Are you paying anything? Is someone else? Are you taking on their "debt", is someone else? No, of course not. Forgiveness is freely given.
"Forgive us our sins as we forgive the sins of others" - the Lord's Prayer.
The satisfying of righteousness--that our sin renders us unrighteous, condemned under the Law; that the Law is a curse for us because of our sin (not that the Law is bad, for the Law that was intended to bring life instead brings death because of sin, as Paul said) that is meted out by Christ's righteousness. Christ has satisfied all righteousness.
The payment, the ransom paid, is that we should no longer be the hostages of sin, death, and the devil.
Forgiveness is free, God willingly forgives us.
This is the difference between saying, "Jesus died in order that God could forgive us" as though God was powerless to forgive us otherwise; and saying "Jesus died and you are forgiven", the cross
is God's forgiveness. And He tells us that we are forgiven, and He forgives us. He gave His Church "the keys of the kingdom" that sins should be proclaimed forgiven in Christ's name. He promises that when we confess our sins, our sins are forgiven.
-CryptoLutheran