For a scout ship with a crew that is not very much interested in trading,Geesuv said:Frankly, I'm thinking of just doing away with the mortgage altogether. Its beginning to strike me as a needless shackle on the PCs.
the mortgage indeed is an unnecessary problem. Just choose one of the
explanations offered in this thread why there is no mortgage, or design
your own, and then forget about the mortgage.
By the way, if the comparatively low mortgage was the only reason to
choose a scout, and another ship would fit better into your campaign,
take the other ship with an explanation why there is no mortgage for it.
For example, if your players are into space combat, a scout would be a
dangerous ship to learn the ropes, and a little more fire power and hull
and structure points could be better, like those of a far trader.