How does it work in the story? Your buddy, who decided to 'call it even' for nothing, gets a visit from one of Jabba's bounty hunters, who expresses Jabba's 'disappointment' that you've chosen not to pay the money he owes, and that Jabba *knows* he had the opportunity to do so.
Bwahaha. So Jabba is eavesdropping on a private conversation being had by 2 PC's on their own ship in the middle of space? He's truly an awesome crime lord indeed! What omnipotent powah!!!
Yeah, sure. That's the only way Jabba could *ever* find out that an associated of one of his debtors just came into a load of credits. Because the one PC just conjured the credits out of thin air.
Of course, we're back to what I said earlier. If the 'obligation' can be hand-waved away, then it wasn't an Obligation in the first place. Unfortunately, all your attempts to refute my point have relied on claiming that the Obligation can be hand waved away. But the only supporting argument you've used on that relies on having a bunch of metagaming douchebags as players. (originally your words, not mine)