There is no need for the big hat.  I feel negative about the word 'owe', as the old saying goes 'the society doesn't owe you anything'.  Be a responsible citizen, work, pay tax, give to charity, not a burden to the society is your basic contribution, and is what you 'owe' the society.  Do more if you want but not as demanded to meet someone's sense of entitlement (like you owe them).  I believe Canadians don't like entitlement. Being smart and lucky should feel no guilt (not the same as ungrateful), as some people in the society trying to make you feel.