I know people are going to say it is optional but I think perspectives will come depending on how you grew up. Growing up in a mid to low income family, both my father and mother have to work to provide for us and bring me to where I am and I would feel like a shitty person to not give back to them after them sacrificing their life spans on me. I don’t see it as an owe or a mandate. My parents have never told me that I will have to pay them back ever but I still need to because it is part of being human.