"We were not talking about me. I can't hardly imagine a situation where anyone would be saving my life. Nor any reason for someone not to give me a chance if I wished to endeavor to do something. I'm no criminal and not one for taking risks."

At least, no situation in which a human would have to save her life. What could they do that she herself could not?

"Are you implying you're not honest then? That you would repay for less than what you would ask? The scales must be equal if balance is to remain between you and your benefactor."