Too great haste to repay an obligation is a kind of ingratitude.

Rushing to settle up can be a way of refusing the gift. When someone helps you and you immediately even the score, what you are really doing is declining to be indebted, which declines the relationship the help was offering. Debt between people is not only a burden; it is one of the things that keeps them connected. Clearing it too fast says you would rather not be connected.

When someone does something generous, let it sit. Say a proper thank you, accept that you now owe them something undefined, and repay it eventually in a form and at a time that suits them rather than your discomfort.