If I go to your house and ask for a glass of water, it’s because I’m thirsty and I know it’s NBD for you to get a glass and put water in it. I’m not expecting to give or get anything else in return, nor am I trying to be rude by insinuating you should have given me a glass of water. The thought process goes:
1. I am thirsty.
2. I don’t think it’s rude to ask for water since it’s effectively free and only requires you to have a clean glass to serve it in.
3. I ask for water.
Community and trust is all well and good, but most of my social circle are transplants from all over the country/world which all have different social mores. There is no common or universal social dance about how to behave when you want something from someone else or how you should be polite when you go hang out with someone in this kind of setting. And if someone does try to fit their specific background culture into such a setting in a way that makes it so they’re offended when I ask for water or a favor, it’s on them.
That’s not say I think Asking is “superior” but just that it’s not transactional so much as it is pragmatic (but potentially impolite) especially in certain situations, like socialization within a highly diverse-background group.