Okay, so, sometimes in life, I can be a score-keeper - someone who keeps track of what he gives and what he gets in return. An annoying quality, to say the least, and I'm sure my wife has your sympathy, but it's made me highly attuned to when and where credit is due.
But novels are never about what they are about; that is, there is always deeper, or more general, significance. The author may not be aware of this till she is pretty far along with it.