An individual can only be indebted to other individuals.
You know, I've picked up that same thought from a number of other posters, expressed in a slightly different way, but the same general thought. I think a lot of us agree with you semantically - for example, a number who agree that nothing we do as individuals really addresses all of humanity on a measurable level, or those like myself who have difficulty accepting the applicability of the term "owe".
Maybe with a different starting point, we might find out how much we are really all on the same page. For example:
I feel an innate sense of responsibility to respect the inalienable rights of those with whom I come in contact, and a sense of loyalty and generosity to those whom I consider family and friends.
Soes that look like a true statement to you?