“For this reason the kingdom of heaven may be compared to a king who wished to settle accounts with his slaves. When he had begun to settle them, one who owed him ten thousand talents was brought to him. But since he did not have the means to repay, his lord commanded him to be sold, along with his wife and children and all that he had, and repayment to be made. So the slave fell to the ground and prostrated himself before him, saying, ‘Have patience with me and I will repay you everything.’ And the lord of that slave felt compassion and released him and forgave him the debt. But that slave went out and found one of his fellow slaves who owed him a hundred denarii; and he seized him and began to choke him, saying, ‘Pay back what you owe.’ So his fellow slave fell to the ground and began to plead with him, saying, ‘Have patience with me and I will repay you.’ But he was unwilling and went and threw him in prison until he should pay back what was owed. So when his fellow slaves saw what had happened, they were deeply grieved and came and reported to their lord all that had happened. Then summoning him, his lord said to him, ‘You wicked slave, I forgave you all that debt because you pleaded with me. Should you not also have had mercy on your fellow slave, in the same way that I had mercy on you?’ And his lord, moved with anger, handed him over to the torturers until he should repay all that was owed him. My heavenly Father will also do the same to you, if each of you does not forgive his brother from your heart” (Matthew 18:23-35).
Federal Visionists love this passage because they think that Jesus is teaching that the forgiveness of our sins is conditioned upon how we forgive others. They even go so far as to say that it is possible to lose the forgiveness of sins. Clearly, this heinous doctrine is outright Pelagian, Arminian, and Romaninian.
The Reformed faith has always held that forgiveness of sins is received by faith alone in justification. Justification and forgiveness of sins are permanent realities that can never be lost. Once someone has made a profession of faith, he should never doubt whether his sins have been forgiven. He should simply rest in the finished work of Christ.
Jesus is not seriously teaching that someone can lose their forgiveness. Even in this parable, the wicked slave is not “unforgiven.” He simply has to re-pay the debt that his master had forgiven. So, the wicked slave does not ever lose forgiveness; he merely forfeits fellowship with his master.
Also, Jesus is obviously using the Covenant of Works to show his disciples that they cannot accomplish the righteousness of God on their own. The standard is perfection. Unless we forgive perfectly, we have failed. Thus, we would be better off not even trying to forgive others, but rather to rest in the perfect righteousness of Jesus.
Furthermore, when Jesus says, “My heavenly Father will also do the same to you,” this is a hypothetical warning. Jesus is trying to put the fear of God into the disciples (not that fear should be a motive. Gratitude is our only motive for obedience).
Besides, this is just a parable. Everyone knows that parables were given to simplify Jesus’ message for the masses, so that they would not miss the main point. The details are arbitrary and cannot be taken literally.
Notice also how Federal Visionists rely heavily on Jesus. It is important to remember that Jesus did not leave any of his writings behind. He never saw the gospels and did not have the chance to edit, polish, or correct any misquotations. Jesus certainly would have submitted his writings to critical peer review so that he could have clarified his message before it went to print.
Alas, Matthew and the other gospel writers are simply paparazzi who gave us a lot of off-the-cuff remarks and off-the-record statements that Jesus may not have wanted published. For precise theology, it is better to stick with trained theologians like Paul and graduates of NAPARC seminaries.