altruism is not a "savings account" and doesn't "kick-in out of guilt". that is precisely the opposite of altruism, which is giving or acting even in the face of significant risk to one's self.
what the parent describes has far more akin to game theory, specifically tit-for-tat models.
as for the guilt argument, i can only hope that i never get stuck in a tight jam with pieterh, and no one is watching. we see in others what we see in ourselves.
interesting? perhaps, but in an off topic way. incorrect? totally.