There's also the kind of people who offer help but insistently disallow you to pay back in kind.
This can be uncomfortable too.
This is also true. I agree. Which is why gift for gift should be given in kind to friends.
"With raiment and arms shall friends gladden each other,
so has one proved oneself;
for friends last longest, if fate be fair
who give and give again." 41
"Hast thou a friend whom thou trustest well,
from whom thou cravest good?
Share thy mind with him, gifts exchange with him,
fare to find him oft." 44
-Havamal