Unless somebody is holding a gun to your head, then nothing in life is an obligation.
I am going to go out on a limb here and assume that you're Catholic, or at the very least a Christian. I'm a Catholic, and I don't go to church all that often in the grand scheme of things, but I don't think God is going to smite me down or send me to hell. God isn't daft, after all, He knows that I believe in Him.
What about people who are bedridden - do you think they are committing a sin if they don't go to church? Life throws things in the way, so be it! Say a prayer at home, it's not like He can't hear you.
BTW this would be better in the religion section of TSR.