This is a complete misunderstanding, in my opinion. It is not an accounting of receipts and expenditures, not some “game theory” example, not an investment onto “the betterment of a society”, etc. You don't need anything to forgive, to do the right thing, it is always in your power. It might be hard, but it has always been like that.
Well like elsewhere in the thread, people have mentioned that forgiveness is a complicated word. You should definitely learn to "let it go" regardless of whether you've received any apology, in terms of not letting it affect your psyche negatively, but in terms of future interactions with someone who wronged you and can't show contrition or growth, you have no obligation to put yourself into a position where they can do the same thing to you again. Hence, not a full forgiveness because your interactions with them are altered.
“Letting it go to feel better”, in my opinion, is also an accounting, some self-objectifying robot maintenance. It is strange that people find it hard to imagine how to forgive without receiving anything back.
For one thing, I seriously doubt I'm in position to judge “growth” of other people.
I’m just not sure why I would continue to interact with someone who treated me badly without remorse. You might call it accounting or game theory, I call it self-preservation.