This new question brings to mind another question: Can I be
mochel the
avera ben adam lachavero so the person need not appease me and should not get punished without being
mochel the debt so he still owes the money? Or does that not work, either (a) because it's meaningless, there's no such thing as being
mochel the sin without being
mochel the debt or (b) because God will still punish the person as long as he owes the money?