Use the sticking hand training as the way to help us focus our mind to one. No more thinking of who owe us or we owe who. At this moment, it is very easy to do. There is no time to think of other things.
Then when we shift our attention to our breathing, and counting it, deep and slow, we will enter the zone of 'none'. Then beauty of sticking hand training is that there can be only minor injuries for both party, while our hand slips.