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Millionaire Adventurers

A couple of thoughts from books:

The difficulties of stealing a starship is exactly why it takes a Stainless Steel Rat!
https://en.wikipedia.org/wiki/The_Stainless_Steel_Rat

Another reason (or different details) for going out and adventuring was given in The Witches of Karres: "Captain Pausert is a well-intentioned but inexperienced merchant traveler from the planet Nikkeldepain, voyaging solo on the old pirate chaser Venture." (From Wikipedia)

From the text itself:
Yes, he felt pretty good. Up to the last four months of his young life, he had never looked on himself as being particularly patriotic. But compared to most of the Empire's worlds, Nikkeldepain was downright attractive in its stuffy way. Besides, he was returning there solvent—would they ever be surprised!

And awaiting him, fondly and eagerly, was Illyla, the Miss Onswud, fair daughter of the mighty Councilor Onswud, and the captain's secretly betrothed for almost a year. She alone had believed in him . . . .

The captain smiled and checked at a dark cross-street to get his bearings on the spaceport beacon. Less than half a mile away. . . . He set off again. In about six hours he'd be beyond the Empire's space borders and headed straight for Illyla.

Yes, she alone had believed! After the prompt collapse of the captain's first commercial venture—a miffel-fur farm, largely on capital borrowed from Councilor Onswud—the future had looked very black. It had even included a probable ten-year stretch of penal servitude for "willful and negligent abuse of entrusted monies." The laws of Nikkeldepain were rough on debtors.

"But you've always been looking for someone to take out the old Venture and get her back into trade!" Illyla reminded her father tearfully.

"Umm, yes! But it's in the blood, my dear! His great-uncle Threbus went the same way! It would be far better to let the law take its course," said Councilor Onswud, glaring at Pausert who remained sulkily silent. He had tried to explain that the mysterious epidemic which suddenly wiped out most of the stock of miffels wasn't his fault. In fact, he more than suspected the tricky hand of young Councilor Rapport who had been wagging futilely around Illyla for the last couple of years . . . .

"The Venture, now . . . !" Councilor Onswud mused, stroking his long, craggy chin. "Pausert can handle a ship, at least," he admitted.

That was how it happened. Were they ever going to be surprised! For even the captain realized that Councilor Onswud was unloading all the dead fish that had gathered the dust of his warehouses for the past fifty years on him and the Venture, in a last, faint hope of getting some return on those half-forgotten investments. A value of eighty-two thousand maels was placed on the cargo; but if he'd brought even three-quarters of it back in cash, all would have been well.

Instead—well, it started with that lucky bet on a legal point with an Imperial official at the Imperial capital itself. Then came a six-hour race fairly won against a small, fast private yacht—the old Venture 7333 had been a pirate-chaser in the last century and still could produce twice the speed her looks suggested. From then on the captain was socially accepted as a sporting man and was in on a long string of jovial parties and meets.

Jovial and profitable—the wealthier Imperials just couldn't resist a gamble, and the penalty the captain always insisted on was that they had to buy.

He got rid of the stuff right and left. Inside of twelve weeks, nothing remained of the original cargo except two score bundles of expensively-built but useless tinklewood fishing rods, one dozen gross bales of useful but unattractive all-weather cloaks, and a case of sophisticated educational toys which showed a disconcerting tendency to explode when jarred or dropped. Even on a bet, nobody would take those three items. But the captain had a strong hunch they had been hopefully added to the cargo from his own stocks by Councilor Rapport; so his failure to sell them didn't break his heart.

He was a neat twenty percent net ahead, at that point—

And finally came this last-minute rush delivery of medical supplies to Porlumma on the return route. That haul alone would repay the miffel farm losses three times over!
Of course, then it goes sideways--and he finds another reason or three to keep going . . .
 
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