Scourges of the Galaxy
Obligation affects your reputation. For example, a local politician may not be willing to meet with a group whose Obligation is more than 60, but a local crime lord may not trust a group whose Obligation is less than 50. In both cases, it’s a matter of how the NPCs perceive the group’s overall reputation.
No matter how much the PCs pay off, return favors, or try to live squeaky clean, a PC’s Obligation cannot be reduced lower than 5.
REMEMBER: If the party’s total Obligation goes over 100 then none of the PC’s can spend experience until the party brings its total Obligation back under 100.