Ok, now you're just splitting hairs. But I will concede the word debt means more than what I'm using it for

But there's a difference between "I did this for you, and it's expected you'll reciprocate later" and a formalized version of this

I don't know how to put it into words yet, but the merchant of Venice is about the idea I'm circling around. Reciprocity is one thing, selling the future, which is always uncertain, is another

One of these things is the fabric of community, the other is evil