You don't owe anyone anything. You just owe the Earth your life. Not all the matter in your body because that too will be taken away, but the proper assembly of those that created you. The you that is now conscious.
We humans are like onions Every time we realise something about ourselves or others we peel of a layer, and in the end there is nothing. There is nobody.
It is as true whenever you are in pain and sadness and suffering as when you are in total bliss... You cannot dismiss one or the other. One is the truth of the body, The other is the truth of the soul