If repairs are ship-scale costs then you have to have that kind of money sitting around (or readily obtainable), which means that it's no longer a case of "repair the ship or buy a new laser rifle" but "repair the ship or just cash out and personal-scale stuff is no longer an object so we can just buy top kit for everyone / pay for passage from now on / pay someone else to do everything for us / retire somewhere and live very well thank you".
The current setup (and standard campaign) aims to keep the mortgage and operating costs just barely in reach of personal-scale expenses so that everything can operate at that level and still more or less work. Just barely personal-scale repair costs are no different.
The current setup (and standard campaign) aims to keep the mortgage and operating costs just barely in reach of personal-scale expenses so that everything can operate at that level and still more or less work. Just barely personal-scale repair costs are no different.