Re: Gear rich, money poor
The answer is a higher level Wealth. Wealth and money are different things. Someone with expensive gear has spent all their wealth on their gear, and their wealth is now tied up in their gear. Combine this a job whose wealth level is lower than the person's wealth level, and the need to spend money to maintain your assets and you have someone who is making do but has something expensive.
For spaceships you should read Spaceships:2 since this covers this in depth.
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