Which Person Is Considered a "Creditor" in Terms of Their

Which person is considered a "creditor" in terms of their reciprocation ideology?

A) Bertram,who likes to be generous with his friends so they will help him in the future
B) Caitlin,who hates to feel beholden to someone
C) Marsha,who likes to be generous with her friends because it makes her feel good
D) Boyd,who is stingy with his friends because he believes in self-reliance