Forgiving, Even Without Reconciliation

Matthew 18:21-35... I’ve read this passage many times, and the last verse always scared me.

“…And should not you have had mercy on your fellow servant, as I had mercy on you?’ And in anger his master delivered him to the jailers, until he should pay all his debt. So also my heavenly Father will do to every one of you, if you do not forgive your brother from your heart.”

I tend to hold grudges (or at least I used to a lot more than I do now), “So also my heavenly Father will do to every one of you, if you do not forgive your brother (or sister) from your heart.”