Us not owing each other anything worked great in a prior era when people were largely correct in assuming most people were good actors. But as soon as the money and power of the internet became real, things started to turn more adversarial. The assumption of trust and lack of responsibility makes it easy for one side to take advantage of the goodwill of the other. And the technical and power imbalances inherit to the server-client nature of the web means that abuse is more likely to flow in one direction than the other.