Woulda? Coulda? Shoulda? Sins of omission?

What does James 4:17 mean? Does this verse justify a general guilt over "sins of omission"? Why does 1 John 3 talk about getting whatever we ask for from God? I've heard that we shouldn't even pay attention to being wronged by others? Is that true? Is that healthy? Is it possible that I was saved but lost it by putting confidence in religious works? Explain the parable of the shrewd servant. Why didn't Jesus point out his faults rather than use him as an analogy for us?