My mother because she coped with:
a seriously traumatic childhood (including death of both parents, and being exploited as cheap labour and chased with a knife by her nutso foster mother)
keeping a roof over our heads and food in our mouths whilst our Dad gambled away his income
looking after all her aging aunts and cousins by turns, for no financial recompense whatsoever
continually seeing the good in everybody
Probably the only bad thing she did in her life was traumatise me by employing me as the family scapegoat , telling zillions of "white lies", and systematically destroying my self-esteem. Ok that's a biggie
but I consider the debt (as it were) well and truly cancelled.