Additionally if you want to reason in a framework of debts, then you probably owe the most to your friends and family. You owe your entire existence directly to your parents -- it's hard to top that! Might as well stop there and just accept you have some unquantifiable amount of direct debt to the family who raised and protected you and the friends who spent time with you freely as opposed to doing something else. You can try to talk of indirect debts owed to and by "society" etc. but those quickly become spaghetti and in my opinion nonsensical. They're diffused and for some groups entirely non-existent, their lifespan is indefinite (you owe a part of your existence to all the warriors on whatever side of the conflicts your victorious (where victory means they could reproduce or their existing children were spared) ancestors took part in!), it's usually very unclear just how much is owed to whom, if it's even quantifiable, and how or if one can repay, and if you allow counterfactuals (like indirectly owing part of your existence to anyone who has had ill-thoughts toward your mother while she was pregnant or you during your life, but who didn't act on them) it becomes ever more ridiculous. And this is just as a reasoning framework -- can such a ridiculous construct actually motivate people to donate to some charity feeding starving kids in Africa and generate warm-fuzzy feelings of similar magnitude to gifting and helping out friends and family?