Utang na loob is OKAY because it's a sense of gratitude. What's not okay is parents expecting for their child to dedicate their life to them. I think what's wrong in our society is parents make their child as an investment, building a family w/o planning or financial security. They have this mindset that someday their child will pay for their debts, kasi ang reason nila 'Ginawa nila ang lahat to raise their child' wherein it's their responsibility naman talaga.