Murder is not a 'debt'. You can't just repay and i question the morality of economising murder. But hypothetically, you have taken someone's life and if I want to go into reasonably pricing that life, if there is a price it's equivalent to all the money his victim would have expected to have made in his life, ie we are talking millions. He did not repay millions. Even if he did, this debt is to the victim. Since the victim isn't around anymore, it can't be repaid. As for the rest, those are all assumptions. I don't think 'completed a coding course' gives anyone superior moral characteristics, let alone a murderer.