Beautiful! And I’m saying this as a non-Christian and atheist-leaning person. THAT is the kind of Jesus I could relate to. But if Jesus was anything more than a mere mortal then all of this vanishes. in that case these stories become illogical, silly and in my opinion intelligence-insulting. All this ‘God had to sacrifice himself to himself to repay himself a debt so that he was able to forgive Mankind etc’ is too big a stumbling block.
I am not trying to evangelize you, but just to let you know there are several alternate formulations of the atonement besides the penal substitution theory that you just described that, if not convincing, may at least be less offensive. Because I agree with you that that formula makes no sense to me.