You've pretty much got it. We are created, limited beings. God is uncreated, unlimited. We are finite. He is infinite.
Particluarly, what part of your finiteness makes you incapable of understanding the relationship between you and G-d, or you and Heaven and you and Hell?
You misread me. Here is my point: God is Just. God judges us. To be just, a punishment must be proportional to the crime. If your son hits his sister, do you
A) give him a 15 minute time-out in his room.
B) send him to his room for the rest of his life.
As limited beings, we are incapable of committing infinite acts that would justify infinite punishment.
BTW, who said anything about using this as an excuse? Perhaps you can try to justify infinite punishment for finite acts.
I think you and I have different concepts of heaven and hell and judgement. Just so we are on the same page, can you tell me your understanding of the three?
If that is too broad a question, please give me one example of how a person gets sent to hell.
Shalom.