justacaveman said:
A starship is usually just convenient transportation that gets the PCs around the Imperium so that they can be where the adventures actually are.
Unless you're running a Merchant or Military campaign, the type of ship is generally irrelevant (A faster ship is more efficient.). Even a scout ship is quite large enough to transport your typical group of PCs (Up to 8.).
I will try to open your eyes with a simple question:
what for your PCs are adventuring? Just because adventure is fun? Then your players aren't playing their roles well, and you don't support good roleplaying.
Most PCs are adventuring for money, reputation or some personal reasons. That's why the most popular sharship is Beowulf, a Free Trader, not Scout ship. A Trader simply gives you and your PCs more options, and makes their life more realistic. In the real life adventures aren't always available, and if the PCs can earn some money in the meantime, that's good.
Okay, now I understand your problem. Your only idea of a scenario seems to be to "play businessman".
I have no "problems". I just want to play the game seriously. My game isn't just another "blatantly unbelievable space adventure". There are wonders and miracles, but I have to define "normality" to make the miracles really wonderful. And in the normal universe people don't get starships for free.
Remember, economics cannot be avoided. It's very important for every single person. If you're trying to avoid it, you're getting another space tale (like Star Wars). But
tales are awful stage for roleplaying: they aren't logical, and players cannot predict the consequences of their deeds in any way. Your examples of David Falcayn and NickVanRyn are also sort of tales.
Take Andre Norton's "Queen of Sun" series for good roleplaying stage. Her space traders are very limited in money, and money is the thing that drives them to adventuring. I could move the novels into Traveller almost unchanged
In a fantasy or historical campaign I do not force a knight to take a loan to pay for his horse, armour and weapons, although their relative cost should be even higher than that of a starship in a science fiction setting - the knight just has the stuff, because without it he simply would not be a knight.
Actually, many knights took loans to pay for their horses and weapons

And no, the relative cost of all knight's equipment is still much lower than a starship cost. According to GURPS, a suggested starting wealth for TL3 (medieval) is $1000, and a heavy warhorse costs $5000 - just five times more. A suggested starting wealth for TL12 is 100.000, and starship costs a lot of millions.
The actual difference is whether you want and need economics in your game or not. In a medieval game you can skip the economics, since the noble knights usually weren't merchants. Same about CoC game. But in a Traveller game you CANNOT skip economics, since it's everywhere!