You are stuck in this Calvinistic insanity that makes no sense!
Who got you started on this idea?
And, why?
Here. Let's sort it out.
"God, you owe it to me!"
(why would someone say that?)
For example...
That could be the demand of a works obsessed Pharisee!
And, because of the teachings and the followers of the legalism prevalent back then, many were doing good works as to make God obligated to save them!
Here is the example Jesus gave of those who thought God was obligated to save them.
Luke 18:9-14
To some who were confident of their own righteousness and looked down on everyone else,
Jesus told this parable: “Two men went up to the temple to pray, one a Pharisee and the other
a tax collector. The Pharisee stood by himself and prayed: ‘God, I thank you that I am not like
other people—robbers, evildoers, adulterers—or even like this tax collector. I fast twice a week
and give a tenth of all I get.’
“But the tax collector stood at a distance. He would not even look up to heaven, but beat his breast
and said, ‘God, have mercy on me, a sinner.’
“I tell you that this man, rather than the other, went home justified before God. For all those who exalt themselves will be humbled, and those who humble themselves will be exalted.”
grace and peace!