Jesus died on the cross for our sins, so that bill is already paid.
Yes, he did and through the grace of God in Jesus, we were saved. It means we have a chance at life everlasting now instead of ending up spiritually dead.
Thus, Marion, even though she is a fictional character, was figuratively to be cleansed of her sin of stealing around $346,000 in today's dollars because of her change to pay back the money. A thief would have to change their thinking and their behavior to repent and be cleansed.
I think what you do is try to remove her sin by claiming Jesus paid her debt already which isn't the case at all. One still has to repent in order to receive the grace of God through Jesus.
I have this story while attending UC Berkeley of seeing every day a unkempt and disheveled young man carrying a cardboard sign on a wooden stick which read "John 3:16 Repent! The End Is Near." I didn't get it at the time even though I knew it referred to the Bible. I ended up finding God, but didn't find Jesus until 2012. Simple words, but it makes all the difference in the world for the
real life.
A murderer can murder all his life and repent 2 seconds before he dies.
That's not the way it works. That's not what Jesus said. He
is the Savior and our Lord.