Higher jump number PC ships - and NPC free traders - make their money from speculative trade and 'odd jobs'.
Speculative trade and odd jobs don't look reliable on a 40-year ship mortgage application.
So are these ships all hard-used mega-corp castoffs? I mean, they could be...
This is part of the "simulates Sci-Fi" versus "simulates hypothetical future economics" split.
Economics says there probably won't be much demand for Far Traders or Far Fat Traders. Sci-Fi (including Traveller canon) says there a lot of them (or at least that the few that exist are almost always run by PCs or protagonists).
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