The only thing you owe anyone is love. You aren't obligated to join their pity parties,negativity binges,etc. Just because someone tells a sob story doesn't mean you are expected to give money,,material things,or anything else. You have the freedom of choice...you are a free moral agent. Think about it...we each,by choices put ourselves in the situation we are in. We each acted on our choices and landed where we are. We each made our own bed. Keep this in mind before you decide to help someone out. Consider too...you can bail someone out,but in a month or 2,maybe less,he/she is going to end up back in the same old situation. Teach him/her how to fish...you'll feed him/her for a lifetime. Teach him/her the Laws Of Attraction and how to use them,you give him/her the oars to row his/her own boat. Give him or her resources,info,knowledge,direction,guidance...that's far better than paying off his/her debts,or giving him/her a million dollars. Its best,by far,to give him/her a copy of "Ask And It Is Given",by Esther and Jerry Hicks,than it is to give him/her a million bucks.
You owe nobody nothing,but love.