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You Don’t Owe Them: The Psychology Of Emotional Debt

Updated Published
Julia Gendin Student Contributor, Boston University
This article is written by a student writer from the Her Campus at BU chapter and does not reflect the views of Her Campus.

They paid for dinner. They drove you home in the middle of the night. They listened to you cry at 3 a.m. They bought you something expensive. They helped you through a horrible panic attack. They traveled across the country to see you. They were there when nobody else was. 

None of these things are inherently bad. In fact, they’re often descriptors of a good partner. But sometimes, somewhere between feeling grateful and finding someone a good person, another thought slips in: I owe them.

Not necessarily because they said you owe them anything — sometimes they never ask for repayment at all. The debt exists entirely in your own mind. You start keeping a receipt for things that were never supposed to have a price.

The Receipt 

Imagine someone you like has had a really good night with you. They made the reservation, they paid for dinner, they drove you home. They remembered that you like cannolis for dessert and ordered it before you could say anything.

Later, when you’re alone together, they want to have sex, but you don’t. There isn’t necessarily an argument or a threat between you two. Maybe they don’t even pressure you. But your brain starts adding. Dinner was $85. The ride home was 40 minutes. The concert tickets last month was $120.

The night they stayed awake listening to you cry: priceless.

And somehow, without anyone handing you an invoice, you feel like you have reached the point where you should give something back. The thought isn’t always, “They bought me dinner, therefore I have to have sex with them.” It’s more likely something like “After everything they’ve done for me, how can I disappoint them?”

According to Cleveland Clinic, psychologists have long studied the human tendency toward reciprocity. When someone gives us something, we often feel an urge to give something back, and it becomes part of ordinary social life.

Your roommate brings you coffee, so you bring them one tomorrow from an even better cafe. A friend covers your shift, so you offer to cover theirs. Someone helps you move, so you help them move. Reciprocity keeps relationships functioning because relationships cannot survive on one person endlessly giving while the other only receives.

However, the exchange gets more complicated when the things being exchanged aren’t equal. What happens when the repayment becomes something you don’t actually want to give?

The Love Bombing Question 

Sometimes generosity appears at the very beginning of a relationship. Someone you barely know suddenly starts sending flowers, planning elaborate dates, buying gifts, texting constantly, and telling you how different you are from everyone they’ve ever met. It can feel incredible.

According to Robert B. Cialdini’s Influence: Science and Practice, excessive attention and gifts can also be part of love bombing, a pattern in which intense affection and attention are used to accelerate emotional attachment or establish influence.

An essential thing to realize is that if the affection disappears the moment you establish a boundary, the earlier generosity looks very different in retrospect. A gift can be a gift, but it can also become a tool.

They Might Actually Be Good To You

Manipulation isn’t always performed by an obvious villain. Someone can genuinely love you and still use guilt to get what they want. Someone can be supportive and still make you feel responsible for keeping them happy. Someone can do ten wonderful things and one deeply uncomfortable thing.

The ten wonderful things don’t automatically erase the uncomfortable one. In fact, they can make it harder to acknowledge it to yourself as a “red flag.” You may find yourself defending them: “But they’re so good to me. They would never intentionally hurt me. They’ve done so much for me. Maybe my standards are too high.”

The thing is, now the person doesn’t have to convince you to give something back because you have convinced yourself.

The Real Question To Ask

If this person had never done any of those things for me, what would I want?

Would I still want the date? Would I still want the relationship? Would I still forgive them? Would I still want to have sex? Would I still say yes?

The answer doesn’t automatically tell you whether a relationship is healthy or unhealthy. But it can separate desire from obligation, which can be surprisingly difficult. If the answer changes when you remove the debt, that’s worth paying attention to.

Kindness stops being kindness when you have to PaY it back.

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I'm a neuroscience prelaw student. I love being outside, dancing, learning more about the world around me, and yapping.