The quote reflects a perspective that money is not the primary driver of interpersonal relationships, emphasizing instead the significance of mutual obligations. The narrator expresses a desire to maintain personal autonomy and avoid debt, suggesting that owing someone can complicate relationships and lead to feelings of indebtedness.

This viewpoint highlights the importance of social bonds over financial transactions. The character's preference for self-reliance indicates a belief that personal integrity and freedom are more valuable than monetary transactions, reinforcing the idea that the connections we forge with others are based on trust and reciprocity rather than financial exchanges.