What is the Calvinist/Reformed solution to the Problem of Hell?

How could a loving and just God condemn people to eternal conscious torment, a punishment that seems disproportionate to any finite sins committed in a limited human lifetime? If God desires all to be saved, why would He create souls knowing they would end up suffering forever, and why make salvation dependent on beliefs that many people never have a fair chance to accept? How can eternal damnation be reconciled with perfect divine justice when humans have such limited knowledge, varied cultural contexts, and finite lifespans to make the right choices? What kind of loving parent would allow their children to suffer eternally when they have the power to save them, and how could any finite sins warrant infinite punishment?