But people help us to have a life of our own. And it is our life whether or not we are paying for it. What we owe others would be either a matter of transaction or feelings.
I have a life of my own, meaning for better or worse I've made my own decisions about where and how I live, and I accept responsibility for my successes and failures.
I left my mother's place when I was 18. Apart from visiting her, I never returned. She came to live with us when she needed full-time care in her last 18 months.