First, I sincerely appreciate the time you put into your comment. I also appreciate that you are giving Scriptural based reasons for your view. I don't expect every comment to be as long and detailed as yours, but I wish more people would follow your example in reasoning from Scripture instead of merely making assertions.
With regard to your questions above, no I do not believe God owes us anything, including salvation. Yes, He would be justified in condemning all to hell, including me. I do not believe that God is unjust in choosing to save some, but in the setting of Reformed theology God does appear to be unjust. This is a new issue (I did not argue that Reformed theology unintentionally implies God is unjust, I argued it unintentionally implies He is not good and loving, which are related, but not identical, concepts.)
In terms of justice, I do believe a person has to have some ability to not sin to be morally responsible for sin. I'm not saying the unsaved have the ability to have consistent victory over sin. But I am saying that they have the ability to not commit any particular sin. However, in Reformed theology, I don't see how they have the ability to not commit any particular sin.
I see evidence in the Bible that the ability to not commit a sin is necessary to be morally responsible. Consider this passage:
Deuteronomy 22: 23 If a man happens to meet in a town a virgin pledged to be married and he sleeps with her,
24 you shall take both of them to the gate of that town and stone them to death-- the young woman because she was in a town and did not scream for help, and the man because he violated another man's wife. You must purge the evil from among you.
25 But if out in the country a man happens to meet a young woman pledged to be married and rapes her, only the man who has done this shall die.
26 Do nothing to the woman; she has committed no sin deserving death. This case is like that of someone who attacks and murders a neighbor,
27 for the man found the young woman out in the country, and though the betrothed woman screamed, there was no one to rescue her.
If a man and an engaged woman sleep together, the normal penalty for both is death. But if he raped her somewhere where she could not get help, even though she has sex with him, she is not held guilty at all because she had no ability to not have sex with the man (at least that should be assumed).
I understand that in Reformed theology the unsaved sin because they want to sin. In that sense they are not forced to sin. But they have absolutely no ability to not want to sin and absolutely no ability to not commit any given sin they commit, because all their desires and all actions have been preordained by God. The point is, they have NO free will (at least no libertarian free will, which is the type of free will that would enable them to choose not to commit any given sin). At least the woman in the woods has a small chance of escaping, even if the man is stronger. But a sinner preordained to sin has much less ability than she does to "get away", in fact they have no ability at all. So, no, I do not believe it is just to hold people accountable in this framework, whereas I think it is just to hold them accountable in the type of Arminian leaning framework which I think is correct.
But you have not addressed the more difficult problem. Even if it were just for God to not choose to save some people in the Reformed system, how is it good and loving?