What's wrong with us isn't a rap sheet of bad deeds, but a damaged heart, a soul-sickness, that plunges us into fearful self-protection, alienation from God and others.
The devil's main purpose is not to scare us, in a horror-movie way; when we're scared of him, we're alert to him, and that might undermine his plans. Instead, he wants to quietly, subtly lure us into stepping away from God.
It is tragic that some Christians have been so battered with stories of a prideful, vindictive God that they have fled from Jesus' fold.
I think intellectualizing annoys me because it is the enemy of experience; you cannot experience the presence of God and analyze it at the same time. You can't analyze anything and experience it simultaneously.
The Bible, that powerful book, has many effects: it comforts, counsels, instructs, and brings us into the presence of God. But trying to erase offense as one of its functions is a fundamentally misguided task.
God is not looking for repayment, but repentance. What heals a broken relationship is sincere love and contrition.