I think it’s disingenuous to make it sound that simple.
If Congress supported forgiveness, we wouldn’t be having this discussion. Whether they had implicitly given that power to the executive with previous legislation is controversial, thus the SCOTUS case. But it’s not like SCOTUS was the first to question it. Pelosi and even Biden had previously stated it was not an executive power.
Again, it could be easily settled now by the legislature if they supported it, but they do not.