UNPOPULAR OPINION HOUR~
Let me establish that yes, that was absolutely a fucked-up thing for Marigold to do, in terms of that you don't give a friend a gift and then hold it over their head later when you want something from them
BUT comparing to slavery: um what no, and even saying that she's trying to make Momo indebted for her current existence is...just not true? Because QC's AIs, as far as I understand it, are full infomorphs. They don't need their chassis to exist; at any time they can reupload to their network of personalities and select a new mode of interaction with the physical world at will. Honestly, Momo could have just retrieved her old chassis, reuploaded into it, and snapped "There. I don't owe you shit" if she really wanted to make a point. Hell, if and when she well and truly has had it with Marigold, she's fully within rights to break contract, take her expensive chassis that Marigold may still be obligated to make payments on if it happens, and start anew doing whatever. She could even feasibly sell the chassis, which Marigold would STILL have to make payments on, out of an income that I don't know where the fuck it comes from already, Social Security??? and apply for a job as a library AI in Boston, if the library work has given her a taste for it, or upload herself into a Keurig hyperbrewer and make gourmet coffee all day, and upload a free orientation routine that makes making coffee feel better than sex. And she still gets paid for it, of course, because Robot Civil Rights.
I...this drama feels manufactured and silly to me, I guess. It's outta nowhere and it relies on buying into a narrative of "alas poor robot" that I just cannot get, not when we've established that QC's AI population is freer than most humans.