Christ’s arrangement with us is similar to a mom providing music lessons for her child. Mom pays the piano teacher. How many know what I am talking about? Because Mom pays the debt in full, she can turn to her child and ask for something. What is it? Practice! Does the child’s practice pay the piano teacher? No. Does the child’s practice repay Mom for paying the piano teacher? No. Practicing is how the child shows appreciation for Mom’s incredible gift. It is how he takes advantage of the amazing opportunity Mom is giving him to live his life at a higher level. Mom’s joy is found not in getting repaid but in seeing her gift used—seeing her child improve. And so she continues to call for practice, practice, practice.
Elder Dallin H. Oaks has said, referring to President Spencer W. Kimball’s explanation, “The repenting sinner must suffer for his sins, but this suffering has a different purpose than punishment or payment. Its purpose is change” (The Lord’s Way [Salt Lake City: Deseret Book, 1991], 223; emphasis in original). Let’s put that in terms of our analogy: The child must practice the piano, but this practice has a different purpose than punishment or payment. Its purpose is change.
His Grace Is Sufficient, Brad Wilcox, BYU July 12 2011