Can be money or other things.

It can be having unfinished business that keeps you hooked on something.

That's karmic debt.

Someone gave you a gift or did something special to you.

They might even have saved your life.

You might feel that no matter how much you give back it won't be enough to express your gratitude.

Again, shadow or not shadow depends on how it feels in your system.

Being in financial debt is usually a shadow.

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