God owes us nothing

I have been reading this new book "Letters to a Young Calvinist" and have one striking memory so far. The chapter is called "God owes us nothing" No answers, no grace, no piece of mind?. Well there is one piece of mind. Answered by the Heidelberg Catechism. I am also reading criticism of the new Rob Bell book "Love Wins" by his description of Heaven.
How can my finite mind understand the infinite God?
I have this Calvin College sweatshirt I wear almost everyday. Now that I have become a proud graduate. I love wearing it because it is a great conversation starter. Today I was sitting in the park watching Iris and Lily play and a guy walked up to me and said: You must have paid allot for that sweatshirt" He was a Calvin College graduate and was a member of the RCA. We sat and talked for awhile and I made my little smart ass comment of how you joined the Reformed Church after being raised Christian Reformed. He told me that he moved back to Michigan and started attending a CRC church. The pastor visited his family and after the pastor found out his kids went to a public school he chastised him for it. From that moment on his wife said they would not attend that church. Thank God his faith was strong enough where he did not stop attending church, but moved to a church he was more comfortable with. I felt a little embarrassed because I was one of those elite CRC members who saw those public school kids as pre-damned? Would if this preacher met a person who did not have any church background? This person probably would have left the church with a bad taste in his mouth. God owes us nothing? Not even an explanation for these kinds of actions. Actually the explanation can be found in the Bible and it all begins with love. Tonight I am watching the news and its all about Libya. The reporters are all to happy talking about our no fly zone and cruise missiles. I know there are too many innocent people dying there tonight! And of course the nuclear/ tsunami incident in Japan is also big news. I know I can ask God why and I should ask why? God owes me nothing. No answers to my questions? no grace? I still have piece of mind?