Moral Debt
Lol, ya I know. Sounds silly when you put it that way. However, I wouldnt say that those actions you used balance out.
Now, it doesnt really matter where you think those balances are so much as whether you think that a balance (and surplus of either morality or immorality) is possible. We can make it easier to consider in the interests of exploring the idea. So, what about a person who spends all day, every day working at saving lives...lets say the save 100,000,000 lives a year. Once a year, he takes a day off and stalks the streets, chooses a dude at random and kicks him square in the nuts. Back to work the next day. Does he earn anything for saving so many people? What kinda asshole goes “fuck those 100,000,000 people and their friends and family's grieving, I aint letting nobody kick me in the balls!”? Lol
Also, if you object to the surplus of good, why not the surplus of bad in a redemption story? Why does it work one way and not the other?