"Debt brained"? Dude, "debt" has existed as long as humanity has existed. You're the one who's "debt brained" for thinking it's a bad thing. That's just society.

In a society people do favours for each-other and what makes it a society is that the person who had a favour done for them acknowledges that as a member of that society, they should try to pay the favour back at some point, otherwise they just seem like a drain on that society. That doesn't mean that you can't also have gifts, it just means that sometimes aid isn't given as a form of gift, it's given with an expectation that at some future point the giftee will become the gifter.