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The difference between debt and responsibility goes far far beyond semantics.

Owing somebody something typically refers to a specific obligation, often involving repayment of a debt or a favor. It's usually tied to a particular transaction or agreement. Having responsibility, however, is a broader concept that involves being accountable for a range of tasks, actions, or duties, which might not necessarily involve a direct transaction. While owing something is a specific instance of obligation, responsibility encompasses a wider scope of duties that extend beyond a single transaction or agreement.