Given that a misjump might well be fatal, "cheaper" is not the half of it.
This is a major headache that appears to usually be simply glosssed-over. :CoW:
As to purification, it depends on the rules version. In CT/BT there is no additional cost -- in terms of money or displacement -- to build-in military-grade drives capable of using unrefined fuel at no penalty instead of commercial-grade ones which require refined fuel to operate reliably. Therefore, IMCTU any bank that has even the remotest intent of remaining solvent will require milspec drives on any Free/Far Trader it is asked to underwrite -- otherwise they are throwing away their money on a ship that is statistically unlikely to survive long enough to get paid off.
I reserve "refined fuel ONLY" commercial-grade drives for subsidized vessels running regular routes, specifically as a piracy deterrent. A 1000-dt freighter makes a poor target for hijacking and subsequent repurposing as corsair mothership if it has finicky fuel requirements and therefore a limited number of starports that can support its long-term operation. If a subbie absolutely
must regularly frequent a Class C or less starport, I let the subsidy underwriter arrange to make refined fuel locally available at that port, reserved exclusively for the regularly-scheduled vessel's use. (See also lessor policies
requiring the use of Jump Cassettes -- once you think about the risk-management side of it, banks do not want to have to put their trust in the competence and/or good intentions of some non-loan-signatory Navigator/Astrogator the operator recruited from a startown bar less than two hours before departure.)
The unrefined fuel danger is clearly another broken and/or underplaytested rule designed to create "adventure opportunities" for PCs by making backwater-frequenting Trader misjumps pretty much
inevitable. Remember, this is a game system that routinely killed off PCs in character generation in the name of realism -- given that in the RAW there is no guarantee that a misjump ends anywhere with fuel for the scrounging or with time left on the powerplant to even sustain the crew long enough to begin the search for some, the non-zero probability of a
TPK during routine operations by a responsible-but-out-of-options a starship crew right in the middle of an ongoing campaign is apparently a
feature, not a
bug.
So I wa(i)ve it, and let unrefined fuel be the ubiquitous default (like it is for small craft), with refined fuel most often seen as a contractual requirement to protect the bank's investment from cheapskate operators or ambitious pirates... or both.
Otherwise, in pretty much everything after CT HG2, at-need fuel refining has the effect of (maliciously) adding unnecessary overhead to the ship's operating margins to avoid adding any extra deadly peril. I note that on-board fuel purification is absurdly bulky at midrange TLs, and is typically as slow as molasses, too.
[You might want to spawn a new thread just address this separate-but-equally-intractable mess...]