CT core trade & commerce is, fundamentally, perfectly fine as written if...
... one goes where the cargo's mods dictate and...
... one keeps the hold about 75% full
... one takes the word "Trader" to mean a character, not a ship.
It even works for J2.
The thing is, that third caveat is hotly debated. Having 2-3 PC's looking for cargoes makes a big difference; it's sometimes better to pay the split on the less valuable lot and run full.
Oh, and HP are a loss. You only want MP. DO NOT HIRE STEWARDS! (If you have stewards, the HP coupon holders can demand to bump a mid.)
After costs, Low Passage berths are about equal to cargo. Not worth it.
Hmm, I can show that even factoring in financing and crewing costs for running light, passenger traffic pays on a per ton basis, and can be reasoanbly profitable sticking to pop 5 and higher routes.
The point about how HP ticket holders can bump MP is a bad thing eludes me, you WANT more HP to defray the cost of the Steward.
The one really solid point is that there is an opportunity cost to paying for Steward salary plus life support plus lost revenue vs. selling another MidPassage for that stateroom. My numbers show that you have to get 6 HP passengers before you even start turning a profit vs. just going MP.
However, that assumes that the HP passenger rolls will pay MP rather then not travel, as planets short of pop 8 are a bit dicey filling out even the Free Trader's 6 HP/7 MP berths.
I always assumed that if you aren't providing HP amenities, the HP passengers won't show, and so Stewards were necessary to make sure you never run empty staterooms at low pop planets. Like everything else in the Trade/Ship game, you are on thin margins until you gamble big or go home on adventure missions/doing crime/trade speculation/juicy charter.
Other people can rule that the HPs are desperate and will go on MP fare, in which case yes the MP-only way is better. I think the marginal maybe making money/maybe not design ethos argues for my interpretation, but YUMV.
Personally I think the way to think of passengers is paying rent for carrying capability you will use when using mercs/crew to do a big ticket action.
The other thing to keep in mind is most passenger ship plans put that Steward stateroom with the crew- if you do go MP only and fill out that stateroom it could be a security risk. That suggests that a more economically flexible standard would be to put the Steward stateroom in the passenger section, for 'better service'. Some ships might be set up for MP only, others a more 'traditional' arrangement.
One thing that is clear from looking over all this anew- the CT Type A has too many low berths, unless you are keeping them for 'special operations' or as a safety net for the whole crew too.
I think there is a solid case for getting rid of 12 of the 20 low berths, for whatever they can fetch (Cr300000 for 50% on up), and using the 6 tons for cargo, another stateroom possibly- or using mock low berths as a smuggling ploy.