Hashem gives each one of us a “loan”: He grants us banei, chayei and mezonei, which we are free to use as we wish.
When shemitah arrives, Hashem absolves us of our unmet commitments and gives us a new “loan.”
We each know where we’re holding; we have not repaid our “debts,” at least not in full.
We can’t expect leniency when answering to the Heavenly Beis Din. Only when Hashem is directly involved can we be sure of a positive outcome.