When someone accepts a favour from another, the former will be indebted to the latter, until the debt is repaid this way or that way, in this birth or the following ones. The salt that was eaten must be coughed off by any means. So if you have enjoyed the favours of others, in any way in any form, and t any time, remember the dictum: you cannot escape from paying it back. Either pay it back in the same life in the same manner received, or offer the same type, kind, quantum, or quality of favour to a needy person. It is possible that one may have used the favour as capital and earned some profit, but lost the capital later—then one must de ready to pay it back in some other form. Only then will be the one who accepted the favour be relieved of the debt, in the books of the Almighty.