Calvinism and people’s inability to repent. How are they guilty? Can we not ask that question?

I’m learning about Calvinism now so correct me at any point if I’m wrong. The idea is that everyone is born guilty, no hope or ability to repent, and God chooses to only save some.

The question is, and I know it’s common, how could those who aren’t saved be guilty of sin when they had no other choice but to commit said sins? “Their wanter is broken” so they want the sin and can’t want anything else. They cannot choose any differently. God creates them that way, so how can he punish them for acting the way he created them to act? Is this just one of those questions we can’t ask? It’s not just that God stands back and chooses not to have mercy on some, it’s that he CREATED THEM one way and punishes them for it. To me it’d be like punishing a dog for shedding fur.

With that interpretation of Romans 9, how do you square that with the idea that God loves everyone and is a God of peace, love, and justice? Is it just a mystery?

Obviously I am not God. This isn’t a prideful post. I just don’t see how to square the two or make sense of Calvinism. Open to response