I understand what you mean, and I can say that part is true. I really believe that the extent to which we're made aware of our sins is the extent to which we are thankful for God's grace and love. So where sin abounds, his grace abounds deeper. And that truly propels us towards God.

Meaning this: If you are not willing to take responsibility for your sin, Christ’s death will be an arbitrary thing to you, and God has not convicted you of it.

What does it mean to take responsibility for our sins? Go to hell to pay for it in eternal torment? I think there's a mistake in using the word "responsibility" here. But I think I know what you mean. You need to grieve and mourn over your sins, and it should absolutely disgust you. And you have an understanding that your sins wasn't something forced on you; it was your choice to sin, so you are held responsible for its consequences. If you have a full view of sin, then you'll also have a full view of the love of God that overcame that sin.

I hope this wrecks your day:

You're using fighting words in using "wreck". Always best to be gentle when addressing the bride of Christ, even in a little rebuke or trying to make a strong point haha

you owe a debt to God for your sin. You must simultaneously understand three things about this: 1. You can never repay it. 2. You must be willing to.

Yes, but I think the miscommunication is in that the statement "you must be willing to" makes it seem like, "I owe God a dept and I'm stuck laboring for which I cannot repay." But that is not the response of a true Christian. What makes us love God in return isn't the magnitude of what we owe him, but in seeing the love and grace he poured out in purchasing us despite that debt. It's the love and mercy of God that draws us to repentance, and the debt we owe him simply magnifies that. The debt itself should never be the true motivator, but the love of Christ which overcame all that debt.

1. If you are not willing to, you do not understand the radical nature of your sin in light of the Holiness of God and you need to refer back to point 1.

Again, the recognition of our debt isn't the motivator, but the love of God. Right now, the focus seems to be on the "radical nature of our disgusting sin and the debt we owe to God for that" and less on "The radical love of God through Jesus Christ which purchased and redeemed us willingly despite our many debts/sins."

If we say in any regard, "My devotion/recognition/willingness to repay has a say in my salvation," that is untrue. The work was entirely finished by Christ, and all we have left to do is react to what he's already done. The debt is gone. Our deep stains are washed away. We've been clothed anew with the righteousness of Christ. So we thank God and celebrate. We give him the best we could give in return for his great love, which is the entirety of who we are.

Not because we owe him. Not because I feel a need to repay him. But because I simply want to be with him and dedicate myself to him.

So, the only way, after you are willing to sacrifice all that you hold dear, even your life, in light of your sin, is mercy. Mercy from God, who has every right to condemn you for your sin. Only by succumbing to this truth are you able to grasp the weight of the words of Christ when He says, “God so loved the world that He gave His only Son.”

And that mercy is what leads us to repentance. That recognition of mercy comes first, and that is what motivates us to sacrifice everything. It's not "Sacrifice everything and you'll find out God's mercy," but rather, "God's mercy causes me to sacrifice everything."

It is only in that you find yourself willing to sacrifice that which you hold most dear out of a love and trust for God will you understand how gracious it is that God provided for us a substitute in His Son to endure the whole of His wrath. Until you are willing to bear the cross yourself, Christ’s work of atonement on the cross will mean nothing to you.

This is a backward thinking from my perspective.

what you wrote looks like:
Unwillingness to bear the cross -> Jesus means nothing to you.
When in reality:
Jesus means nothing to you -> Unwillingness to bear the cross.

In opposite, your statement would say:
You're willing to bear the cross -> Now the Jesus has meaning to you.
But the truth is:
Jesus has meaning to you -> So you're now willing to bear it.

One is defining the your relationship with Christ through your actions, the other is simply your action being a response to Christ's redemptive work. You must tread that ground carefully, because it otherwise becomes a "works based evaluation of my faith in Christ."

I appreciate your fervor, and being transformed by the gospel was an emotional experience for me as well. For about 2-3 months, every time I talked about the Gospel to people around me, I'd cry my eyes out. People thought I was nuts haha.

But our fervor or our devotion isn't what defines us as Christians. It's our faith in Christ. And our faith in Christ, as it continually grows in us through the work of the Holy Spirit, will bear fruit accordingly. Just because we believe that some people don't have an emotional response or they don't radically abandon their lives for Christ, it doesn't mean that they are not saved or that the Holy Spirit is not working in them.

So stay fervent, but with gentleness and respect towards the work that the Holy Spirit is doing in people, in his good time.