Function init_obligation 

pub fn init_obligation(
    owner: Pubkey,
    fee_payer: Pubkey,
    lending_market: Pubkey,
    tag: u8,
    id: u8,
    seed1: Pubkey,
    seed2: Pubkey,
) -> Vec<Instruction>

Build instructions to initialize an obligation.

The obligation PDA and user-metadata PDA are derived automatically. For a vanilla obligation (tag=0) use Pubkey::default() for seed1/seed2.

Returns: [init_obligation]