You are entirely correct in this part. The concept of "owing" something is entirely an invention of our society. However, it's also a requisite to be in our society. If you can't live with the burden of owing somebody what society says is their due, then you are not fit to be in our society.
Finally, someone who has an understanding of how things work.
You use the word requisite. I invite you to take a look at that concept as well.
It is a requisite only to the degree that it is enforced.
When the inventions of the social organization no longer serve it, it is time to rethink them.
If you understand what is transpiring, you can address the issue intelligently. If you only look at superficial symptoms, then you cannot.