“You’re insane,” says... «Insurgent»

“You’re insane,” says Tobias. “That’s not the way the world works … with everyone keeping score.”
“It’s not?” Peter raises his eyebrows. “I don’t know what world you live in, but in mine, people only do things for you
for one of two reasons. The first is if they want something in return. And the second is if they feel like they owe you something.”