"Now, what about the extent to which you or I can pay? Aren't we morally obligated to do something about that?"
If you pay for something, it is no longer a gift.
"For what does the Scripture say? "Abraham believed God, and it was counted to him as righteousness." 4Now to the one who works, his wages are not counted as a gift but as his due. 5And to the one who does not work but trusts him who justifies the ungodly, his faith is counted as righteousness,"
-Rom 4
Nonsense. If you buy me a new Cadillac as a gift, and I tidy up your yard when you're on vacation out of gratitude, have I paid for the Cadillac? Is it no longer a gift?
And, going back to my original example, if you insist that your son pay for the window he broke, is your forgiveness no longer a gracious gift?
God will work miracles if you'll only let him out of your manmade Reformed theological box.