I might be wrong, but I strongly suspect the behavior you describe (the feeling of indebtedness and urge to reciprocate) is very much dependent on factors like

I might be wrong, but I strongly suspect the behavior you describe (the feeling of indebtedness and urge to reciprocate) is very much dependent on factors like receiving the gift in person, as well as the context/entity who is giving the gift. In other words, yes, I'd feel somewhat indebted to give back to a religious or non-profit organization, especially if given a gift in person. The U.S. government sending me money in the mail and asking me to fill out a long survey, not so much.