Very often people are embrrassed to reconcile, even though they do realize and regret what they did. It is not hard to be Mochel such a person. In Halacha, though, it only talks about someone who approached you.
There are many levels of Lifnim Meshuras Haddin. Some tried to Mochel even those that said, or thought, Echte Ve’ashuv. However, there are stories of great men who weren’t Mochel people. The main thing is, if someone regrets what he did, and it is after the hurt, you should be Mochel him and don’t be an Achzor.
We all know the greatness of Tzeddaka. When a poor person comes to you, you can give a quarter, a dollar, five dollars or your shirt. I’m sure you’ll praise someone who gives the greatest amount, but you can be a Tzaddik without doing that.