You've got the main threads — service, indebtedness, obedience are all there. One thing worth sitting with: v.20-25 pushes further than "obey or face damnation" — Benjamin's point is that even perfect obedience still leaves you an "unprofitable servant," because you owed God everything before you even started. It's less a debt you can pay off and more a relationship you can't out-earn. Worth a re-read with that lens.