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TL;DR

But if you believe God created everything and gave you life, you do kinda owe Him.

Like your parents give birth to you and provide for you until you're an adult, and you don't owe them in the sense of repaying them...but you do kinda owe them in the sense of going on to live a good life and have a family of your own and whatnot. So yeah I think you owe God (assuming you believe in one) but all you have to do to pay Him back is make the most of life and not waste your days away and be a lazy ass.