... Used together as an adventure gen/prod, it DOES work, IMO.
In other words, it doesn't work but it's there for lazy GMs?
For instance, if someone tried to pull your business plan of data packs and undercutting the jump tape trade, those megacorps that are used to 1000 years of guaranteed profit out of underfinanced free traders are NOT going to go quietly into the night. It's a megacorps coming for you, and in a system of Rule of Men Not Law if you are in spitting distance of the 3I. It Won't Go Well For You.
Think Microsoft with a Special Ops team and mercs on tap.
Again, thinking like a GM in a bad soap opera version of OTU. According to MM, the calcs don't require fancy computing. A high school student could write the program. The data is public and easily obtainable. If you couldn't do it yourself, you could get it anywhere.
Maybe the programming language for starship computers is not widely known outside the starship/starport economy. There would still be MILLIONS of people out there looking for a way to make a living after leaving service. And once written, it never needs to be updated. The operating system will never change, the hardware will never change.
Those evil Megacorps would not be able to stop the market forces except by force of law.
Even then, if programmers were required to charge 1MCr for Nav program they could get around it. "Here's the sales contract. I require a down payment of Cr1000, and annual Cr1000 payments until paid off." "Gee, that would take 999 years." "Yes, and if you fail to pay I can sue you, unless you forget to mail in the customer service card (hint, hint)." "Oh, yes, I'll be sure to remember that."
So maybe it is some kind of regulatory matter. Then you just need one jurisdiction to issue the required certificate for kCr1 with annual payments (that may or may not be enforced) and traders would beat a path. It would be similar to the situation today, with ships flagged to Liberia because they don't charge very much for registration.
So maybe then it is some kind of bonding matter. But apart from battle damage the computers never fail and programs never fail. So a bonding agency could offer the bonds for that kind of price, secure that bonds will never be called in.
Then there are legacy programs... somebody retires a bucket of bolts trader after decades of service. That Nav program could be sold for peanuts. There are more retired ships (millennia worth) than those in service, so there would be a strong buyer's market. Any program in the market could be copied and sold to many buyers. There could be authentication codes and such, but that wouldn't be enforceable if the original seller was no longer in business.
I'm just sayin' there are a myriad ways for the market to "win" over the pricing that MM scribbled on a sheet of paper forty years ago.