Ultimately, when it comes down to obligation, it actually hurts the player. It's the epitome of short term gains instead of long term rewards. My philosophy is that if you want to take the extra obligation you're welcome to, but it will cost more than double to pay it back. so that 1,000 Cr that you get from the debt obligation, you'll have to pay off, and will keep you from spending money in the future, that's kinda how loans work.
But it's a risk, and each player manages risk differently. Most pbp games I've played never make it past the first mission, so taking extra obligations actually work out in your favor.
My philosophy is to never tell a player "no, you can't do that." I take that decision and say "ok, you can do that, here's what happens as a result."
We'll roll for obligation in Episode 1, and it's probably going to come up. And if it does, it will make life harder, that's kind of the point. And remember, rolling doubles (11,22,33,44,55,66,77) will double the penalties associated with obligation.