hiro said:
I might make a suggestion over on the beta threads that instead of a straight number of rolls for a ship X years old, a table be rolled on to see how many rolls with DMs for prompt maintenance etc.
There's something I concluded a while that I'll share here, since your post has convinced me to:
Unless you're playing some RL years-long game
or you're playing some single-player (or nearly single player) "calculators and spreadsheets Merchant Prince" game with accelerated in-game time ... mortgages and ship payments add little to Traveller and shoehorn the game into the "making the monthly payment" tramp freighter game which sounds really cool ... but I've never actually played in a game like that where that actually worked out without some epic levels of GM fudging it (in a J-1 ship, you're better not even adventuring and just sticking to the timetables and schedules to make money hand-over-fist. In a J-2 ship you won't make money so you as might as well just skip or something asap.)
We all stick with this system because that's what Mssrs. Miller et al came up with in the hoary days of 1976 and it's lasted this long, so why not?
But it was never a good system, IMO. It should be replaced.
I can't think of the last time a "adventuring Traveller" tabletop game ever lasted long enough for a ship owner to pay off the ship doing it "fair and square" without patrons paying off the ship or finding some Ancient artifact that when sold paid off the ship or whatever. 20-years of payments as might as well be forever for a tabletop RPG. 10 years is the same. Even 5 years, honestly.
It reminds me of the Palladium Games' RPG "RIFTS." If anyone remembers RIFTS, remember the Juicer character class? (For those unfamiliar, the Juicer uses various "performance altering chemicals" to massively improve the potential of the human body, but at the cost of a very short lifespan, like less than 5 years.) There's a huge deal made about the guys and gals only living a few years. But seriously, unless you played a game with rapidly accelerated in-game time for some reason ... when did that lifespan ever mean a thing in your game? Regrettably most games simply don't last long enough for that lifespan to matter.
It's the same thing I've found in Traveller. Unless your players make some truly titantic windfall of credits, they're never going to pay off their ship (and that windfall pretty much means "the GM is tired of dealing with the ship payments"). If their ship gets blown up with payments still left, they still have to make their payments on a ship that no longer exists ... which usually leads pretty rapidly to some very put-out players. Otherwise, they're stuck with this annoying bill every month that frankly doesn't add as much to games as they should.
I've personally begun running all my games that start with the players getting a 40-year old (or older) ship that's completely paid off. However it's an old ship, it hasn't been maintained perfectly and it has various quirks and other issues. Paying for maintenance, rebuilding, and replacement is something immediate and interesting, and the quirky ships have real effect in-play.
Instead of allowing to make ship payments using mustering out benefits, the ship starts with a bunch of things wrong with it, and the repeat rolls for ships or payments allow the players to have rebuilt/replaced an item to reduce the number of problems their ship have before the game starts. I've found it allows me to run a variety of games without having to worry about monthly payments that pretty much leash me into a game where the players have to be regular and predictable to make payments ... or else "someone" pays it off and the players get a brand-new ship for free which makes the entire system pointless.
I personally feel that Mongoose for their next revision should make the "fully paid off semi-junk ship with problems" to be the default mode of the game. It's far more interesting and flexible. Leave in the old and broken rules for monthly payments and all that as an option for legacy players who insist on support for that system. But I'm pretty much willing to bet money a fully paid off older ship works better for games.