In the Franciscan view, God did not need to be paid in order to love and forgive God’s own creation. Love cannot be bought by some “necessary sacrifice”; if it could, it would not and could not work its transformative effects. Duns Scotus and his followers were committed to protecting the absolute freedom to love in God. If forgiveness needs to be bought or paid for, then it is not authentic forgiveness at all. Love and forgiveness must be freely given or they do not accomplish their deeply transformative healing. Self-serving love does not change the heart. It must be free and undeserved love or transformation does not happen. (Think about that and you will know it is true!)
I’m not sure many Christians recognize the dangers of penal substitutionary atonement theory. Perhaps the underlying assumptions were never made clear, even though thinking people throughout the ages were often repelled by such a crass notion of God. This theory has become a nail in the coffin of belief for many sincere, thoughtful individuals today. Some Christians just repress their misgiving because they think it implies a complete loss of faith. But I would wager that for every person who voices doubt, many more quietly walk away from a religion that has come to seem irrational, mythological, and deeply unsatisfying to the heart and soul. And these are usually not “bad” people!
Christianity can do so much better, and doing so will not diminish Jesus in the least. In fact, it will allow Jesus to take on a universal and humanly appealing dimension. The cross cannot be an arbitrary and bloody sacrifice triggered by a sin that was once committed by one man and one woman under a tree between the Tigris and Euphrates rivers. Frankly, that idea reduces any notion of a universal or truly “catholic” revelation to one planet, at the edge of one solar system, in a universe comprised of billions of galaxies with trillions of solar systems. A religion based on required sacrifices is just not glorious or hopeful enough or even befitting the marvelous creation. To those who cling to Anselm’s understanding, I would say, as J. B. Phillips wrote many years ago, “Your God is too small.” 
When we look at history, it’s clear that Christianity is an evolving faith. It only makes sense that early Christians would look for a logical and meaningful explanation for the “why” of the tragic death of their religion’s founder. For the early centuries, appeasing an angry, fanatical Father was not their answer. For the first thousand years, most Christians believed that the sacrificial death of Jesus on the cross—the “price” or the ransom—was being paid not to God, but to the devil! This made the devil pretty powerful and God pretty weak, but it gave the people someone to blame for Jesus’ death. And at least it was not God.
Then, in the eleventh century, Anselm of Canterbury (c. 1033–1109) wrote a paper called Cur Deus Homo? (Why Did God Become Human?) which might just be the most unfortunately successful piece of theology ever written. Thinking he could solve the problem of sin inside of the medieval code of feudal honor and shame, Anselm said, in effect, “Yes, a price did need to be paid to restore God’s honor, and it needed to be paid to God the Father—by one who was equally divine.” I imagine Anselm didn’t consider the disastrous implications of his theory, especially for people who were already afraid or resentful of God.
In authoritarian and patriarchal cultures, most people were fully programmed to think this way—working to appease an authority figure who was angry, punitive, and even violent in “his” reactions. Many still operate this way, especially if they had an angry, demanding, or abusive parent. People respond to this kind of God, as sick as it is, because it fits their own story line.
Unfortunately, for a simple but devastating reason, this understanding also nullifies any in-depth spiritual journey: Why would you love or trust or desire to be with such a God?
Over the next few centuries, Anselm’s honor- and shame-based way of thinking came to be accepted among Christians, though it met resistance from some, particularly my own Franciscan school under Bonaventure (1221–1274) and Duns Scotus (1266–1308). Protestants accepted the mainline Catholic position, embracing it with even more fervor. Evangelicals later enshrined it as one of the “four pillars” of foundational Christian belief, which the earlier period would have thought strange. Most of us were never told of the varied history of this theory, even among Protestants. If you came from a “law and order” culture or a buying and selling culture—which most of us have—it made perfect sense. The revolutionary character of Jesus and the final and full Gospel message has still to dawn upon most of the world. It is just too upending for most peoples’ minds until they have personally undergone the radical experience of unearned love. And, even then, it takes a lifetime to sink in.
The common reading of the Bible is that Jesus “died for our sins”—either to pay a debt to the devil (common in the first millennium) or to pay a debt to God (proposed by Anselm of Canterbury, 1033-1109).
.. Duns Scotus was not guided by the Temple language of debt, atonement, or blood sacrifice (understandably used by the Gospel writers and by Paul). He was inspired by the cosmic hymns in the first chapters of Colossians and Ephesians and the Prologue to John’s Gospel (1:1-18) and gave a theological and philosophical base to St. Francis’ deep intuitions of God’s love.
.. The terrible and un-critiqued premise is that God could need payment, and even a very violent transaction, to be able to love and accept God’s own children! These theories are based on retributive justice rather than the restorative justice that the prophets and Jesus taught.
.. For Duns Scotus, the incarnation of God and the redemption of the world could never be a mere mop-up exercise in response to human sinfulness, but had to be the proactive work of God from the very beginning. We were “chosen in Christ before the world was made” (Ephesians 1:4). Our sin could not possibly be the motive for the incarnation—or we were steering the cosmic ship! Only perfect love and divine self-revelation could inspire God to come in human form. God never merely reacts, but supremely and freely acts—out of love.
.. Jesus did not come to change the mind of God about humanity (it did not need changing)! Jesus came to change the mind of humanity about God!
God in Jesus moved people beyond the counting, weighing, and punishing model—which the ego prefers—to a world in which God’s mercy makes any economy of merit, sacrifice, reparation, or atonement both unhelpful and unnecessary. Jesus undid “once and for all” (Hebrews 7:27; 9:12; 10:10) notions of human and animal sacrifice (common in most ancient religions) and replaced them with an economy of grace and love.
.. Jesus was meant to be a game-changer for the human psyche and for religion itself. But when we begin negatively, or focused on a problem, we never get off the hamster wheel of shame, separation, and violence. Rather than focusing on sin, Jesus—“the crucified One”—pointed us toward a primal solidarity with the very suffering of God and thus of all creation.
.. God does not love us because we are good; God loves us because God is good. Nothing we can do will either decrease or increase God’s eternal and infinite eagerness to love!
THE TYNDALE BIBLICAL THEOLOGY LECTURE, 1973*