I guess i just need some hard facts to get a perspective.
One thing i am often struggling with as a GM is to properly price rewards and costs.
There isn't a hard rule about how much credits 1 point of Debt Obligation is worth. This is because Obligation is a measure of possible stress on the characters, not the actual monetary value. So, someone might only owe 1000 credits, but have it at a 20 Obligation level while another player in the same party might owe 50,000 credits, but only have it at a level of 5. Part of it is a representation of how often the debt collector might come calling, or how much that debt weighs on the mind of the character, leading to stress in the party (loss of Strain Threshold).