What question does Paul ask?....

What human being has put God in his debt by giving something to God?

Our life and breath were given us by the Lord. Any objection we raise concerning God’s right to elect whom He will has no foundation in law or justice.

No individual possesses anything at all except what God has given to him, including his own conscious existence. Therefore God owes no person anything—including redemption.

God will do what He will do and we have no grounds or power for objection. Whatever God extends to us in his love is to be received with thanksgiving. Whether we are Jew or Gentile, God is not in our debt. We have given nothing to God. We owe all that we are and possess to the almighty God.

The only reasonable response we can make to our indebtedness to God is to present to Him our physical body as a whole burnt offering, as Paul exhorts in Chapter Twelve.