Some people believe in karma and the debt, others think that karma is superstition or a belief in the supernatural. Regardless of which worldview we have it is much more productive and even healthier to do things in life that can be repeated by others to benefit humanity .
they say what goes ‘round comes ‘round
reap and ye shall sow
do unto others as you would have them
do unto you
doesn’t matter which text you believe in
it all means the same
the karmic debt will be paid