Master_of_Ritual said:
A couple of you have mentioned how Travellers can become too rich, and that was actually a concern of mine. Since ship costs are higher than every other expense by an order of magnitude or two, how do you strike that balance?
Drain their cash by shooting at them, repairing starships (Core, p150) is slightly expensive...
Encourage them to upgrade their ship, e.g. turrets costs MCrs a pop. A triple Pulse Laser turret costs MCr 4. Replacing a stateroom with a Library (HG, p46) that contains entertainment and information systems that facilitates learning new skills costs MCr 4.
Encourage them to buy a fancy vehicle, it costs money and takes up space in the cargo hold, reducing revenue.
Let them buy more expensive starships that can shoot back, again much more expensive.
On older, more decrepit ships impose breakdowns now and then, requiring costly repairs that takes time during which the mortgage must still be paid without any revenue. Or perhaps the previous battle damage caused a more serious breakdown?
Occasionally let the speculative cargo be fake and worthless. With the increased rewards comes increased risks...
Offer them a lucrative smuggling deal, give them a good chance to get caught and the cargo seized and the ship fined. The patron is now unhappy...
Let some passengers try to hi-jack the ship, damaging something in the process.
A passenger is an Ine Givar terrorist / Zhodani spy / psionic agitator / known pirate fence. Unless the crew discovers this (not easy) and turns the passenger in, the ship is now suspect of organised crime and harassed, inspected, and detained every port stop for a few months, every port stop takes another week or two decreasing revenue per month.
A character is arrested for doing something, perhaps incomprehensibly, illegal on a high-law planet, legal battle ensues, costing time and money. The characters are good at Advocate skill, right?
Just don't repeat the cash drains too often, and give the players some chance to avoid them.
Rich characters are only a problem if they become difficult to motivate, or run off on unplanned excursions that you have not prepared for. If they are willing to work the trade system successfully, let them become rich and retire or "retire" to a new career, e.g. Lando Calrissian-style.