In America, ‘have got’ would be more informal than ‘have’ in the sense of possession. Nor by much, however. What is an obligation?

What makes me tear out what’s left of my hair is the repeated suggestion that Americans avoid ‘have got’. I’ve lived my whole life in the Southern US and I use it all the time, as does (I think) everybody else. So if the usual colloquial way of asking a customer to borrow a cigarette lighter, they don’t say “Do you have a light? Why?” ” Of course, ‘have’ is also used very often

these days. “