Crossword Genius

Their financial obligations appear to include gold! (7)

Ross

I believe the answer is:

debtors

I'm a little stuck... Click here to teach me more about this clue!

'their financial obligations appear' is the definition.
I can't tell whether this definition defines the answer.

'to include gold' is the wordplay.
'to' becomes 'debts' (I can't justify this - if you can you should believe this answer much more).
'include' means one lot of letters goes inside another.
'gold' becomes 'or' ('or' is the heraldic name for gold).
'debts' placed around 'or' is 'DEBTORS'.

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