It's a complex topic, but it's important to recognize that, to a large extent,
> you just pay for stuff with money and if someone is "nice" to you, you don't "owe" them anything
is kind of the whole point of money. More specifically, it allows you to trade with random strangers, without having to first develop and afterwards maintain social relationships with them. It's what, for better or worse, let humanity form groups larger than a small village.
> You may be able to get away with claiming 1.75 of it and giving them 1.25 of it for a long damn time but if it becomes clear to them that all interactions between you and them benefit you at their expense, well, count on them eventually not being cool with that.
This is always the case - but it takes longer for this process to settle, the larger the group is. Money is what allows you to even have this issue in the first place, by allowing societies to reach this size. And laws exist to compensate for our social intuitions and behaviors failing at this scale.