Now everyone has to be obliged (3)
I believe the answer is:
owe
'be obliged' is the definition.
(I've seen this in another clue)
'now everyone has' is the wordplay.
'has' says the answer is hidden in the clue.
'OWE' is hidden in the letters of 'now everyone'.
'to' acts as a link.
(Other definitions for owe that I've seen before include "Have a debt to (someone)" , "Be obliged to pay" , "Are debtors" , "Ben in debt" , "Be in the red" .)