Here’s what I know about you. (Even if we have never met.) You did some things you wish you didn’t. Said some things you wish you could take back. You might be harder on yourself than anyone else is. So you are carrying around a lot of guilt for things you did (or didn’t do) in the past.
You’ve probably had people do good things to help you. And maybe you didn’t always acknowledge them the way you should have. You might look back on certain people and circumstances now and wish we had been more grateful, and returned the favor more…
We all have some debts we can never pay back. But you can pay them forward.