Then, you trade cost for time. You may have to wait for a month or two for that ship going to the planet J-1 away. However, if you are patient (or not rich), then you can travel direct.
To continue with my age of sail analogy:
If you live in the Shetland Islands and you want to go to the Orkney Islands, you catch a tramp freighter going between them, agreed.
However, if you live in the Shetland Islands, and you decide to immigrate to New Zealand, there are no direct routes. You would probably catch the tramp freighter that calls on your island once a year. You would take that to your nearest small port, say Inverness. From there, you catch a slightly larger ship that travels to London or Southhampton. From there, you might find a significantly larger boat going "between sectors." You then sail for months until you get to New Zealand. Once you reach Auckland, then you might transfer to a local ship that carries to you to Christchurch, and then a local tramp freighter from Christchurch to Bluff at the very end of the South Island.
In Traveller, the equivalent trip (from the Spinward Marches to the Solomani Rim) would cost a fortune, and no one but the most wealthy or those on business could afford it.
Most people would grow up and die on the planet they were born on.
However, for those who can afford it, or have the need to travel, I think that is how it would happen.