Starship pilot who is, unfortunately, utterly shipless
The towboat finally showed up and tractor-beamed me and my burned-out, turn-of-the-century ship into its massive cargo hold. They don't ever keep cargo holds pressurized in this business; most merchandise that needs it tends to have the atmospheric controls built in to the crate. A lot of times the crates are more expensive than their contents, but nobody ever notices unless they're damaged enough to trigger the property rights clause in the merchant contracts.
I'd been instructed to stay in my ship. She was only barely holding together by now; the landing skids had been making concerning creaking noises if I shifted in my chair too much, but at least the windows were still sealed. I wanted to stretch my legs, but all I could do was pass the time playing card games on my PDA; like all the other things I owned, it was older than I was.
When we finally arrived at the Lloyd naval base and I was allowed to get off, the boatman pinged me an email with the towing fee. 1,500 credits for the tow, itemized for fuel costs, and "compensation for lost cargo space." I didn't see that he was carrying anything else back there except for me and my husk of a ship. You'd pay that much for a trunk of exotics. Worse, there wasn't a due date attached, so I had no idea when he'd be sending collections agents after me. And collections agents tended to have missiles, these days.
When the nanobots finished looking over my wreck (I could scarcely call it a ship anymore), my PDA once again pinged with an email, my bill for repair and refitting costs. 6,000 credits to replace the lost missile launcher and laser cannon, 750 to load the missile launcher with ammo, 30,000 to replace the burned out shield generator, 20,000 to replace the targeting computer's dead GPU, and 3,500 to replace the alloy hull plating that used to be attached to the side panels. I quit reading before I got to the replacement costs for the wings and afterburners. Strange world we're living in, I mused to myself, when personal protection is more expensive than the stuff it's protecting. I might as well have just scrapped the thing and took out a loan for another one. Assuming anyone in the system would trust anybody enough to sign over a lease.
