Apologies, owed
Money owed accrues interest. Banks and credit card companies thrive on this. The borrower gets to keep using the money, and the lender ends up with more in the end.
Apologies owed, on the other hand, accrue nothing whatsoever of value, to either side.
Forgiving a financial debt costs your balance sheet. Forgiving an owed apology frees you to be generous again.