Keeping a rumaal

Q: I have seen some famous Ulama keeping a rumaal (piece of cloth) with themselves. While others dont keep it. Is it a sunnah or mustahab? Is there any reference from the life of Nabi (sallallahu alaihi wasallam) or Sahaabah (radhiyallahu anhum)?

Questioning the command of Allah Ta'ala

Q: Why does Allah Ta'ala want us to do good deeds since He does not need our deeds? And then He chooses us to either go to hell or Jannah. I'm confused because I dont want to go to jannah or hell. Me and my actions never satisfied Allah Ta'ala's commands. Why Allah Ta'ala gives us only two options for after life. I'm not satisfied to live this life as Allah Ta'ala wants. Also I can't stand in front of Allah Ta'ala on judgment day to give my account of actions in this world. I know I'm one of the losers on that day. "In this world things are not in my control" 

Breaking an oath

Q: I want to enquire whether all oaths made to Allah will constitute kaffaarah, example, if a person promises verbally to Allah to never miss a salaah, if a salaah is missed, should a person give kaffaarah?