Paul encourages the believer to “owe no man anything, but to love one another..”

Not because I desire a gift, but I desire fruit that may abound to your account.
Philippians 4:17
The housing industry has made us aware of equity or the money value of property.  In fact, we are conscious of the “upside-down” concept in which we owe more than the value of property.  The Christian experience reveals concepts of investments, dividends, installment agreements, deficits, and even equity.  Paul encourages the believer to “owe no man anything, but to love one another..” (Rom.13:8).  To the Philippians, the apostle encourages them to make deposit in a heavenly account and build up some equity (Phil. 4:17).  We build spiritual equity when we extend love, patience, kindness, and mercy to others.  This is visibly seen when we make deposits into the lives of our children for when they become adults they render us peace and comfort by their righteous living. Although these are earthly deposits they generate equity in an eternal sphere.  The idea that we can make deposits into earthly accounts that generate equity is a most interesting reality.