What does God owe us? ZERO! If we don’t understand this?:
1 John 4:8 He who doesn’t love doesn’t know God, for God is love.
Than we cannot understand this!:
Rom. 13:8 Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law.
Doesn’t matter what we think, we didn’t pay for any of it, the only way to make God owe us, is to think He is evil like us or enslave our neighbor in God’s name!
Titus 3:5 not by works of righteousness, which we did ourselves, but according to his mercy, he saved us, through the washing of regeneration and renewing by the Holy Spirit,