Question

According to Romans 3:23, who is a “debtor,” that is, who is a sinner?

those who commit murder
people who refuse to surrender their lives to Jesus as Savior and Lord
everyone
people who borrow money

Answers

GPT-5 mini
Everyone.

Romans 3:23 says, "For all have sinned and fall short of the glory of God," meaning every person is a sinner (a "debtor" before God), not only those who commit particular crimes or those who refuse to believe.