Yeah the way it is seems kind of... I don't know. Limiting. What's really keeping characters from working one job that'll get them a few credits then just sitting on their asses for the rest of the time they're at the station? Unless they manage to find enough inter-character drama to keep themselves busy, it's kind of... boring. I guess what I'm saying is that a monetary system, maybe even one where credits expire or something, would provide a little bit more conflict and keep characters who give a damn about these kinds of things going.
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