@IMACOP
Purely from a narrative or story viewpoint, why have money if you’re not going to use it?
It doesn’t matter if the debt collector has the money or not. The author clearly gave the MC more than enough money needed to settle the debt, with little effort required to achieve that amount of money. So the debt collector is a scumbag, who cares? As long as they no longer remain antagonistic, and stays out of his life, there’s no need to be upset.
Even if he gets into more debt, he has the tools and money required to acquire more. Since this is an isekai, I’m inclined to believe that no matter what, he won’t end up in the third sector slums or whatnot.
I understand the argument you’re going for, but when the author gives the MC the skills for success, the tools for success, and the enough money to live easily, why the hell should he be worried about anything? Why should we be expected to worry about him? Even if he risks his money, even if he risks his ship, by getting into trouble, that’s what heroes do. They overcome hardship, whether or not it’s actually hard for them.
It’s basic isekai tier shit to me. You don’t see people cry about MCs giving money to slave traders and helping the slave industry when they buy their first companion. You see more complaints about why slavery is par for the course with isekai. This paying off the debt is practically the same thing, just modernized and changed for sci-fi. By settling her debt, she’ll join his ship, and by extension, harem. It’s the act of acquiring a female party member by the extremely easy means of using excessive amounts of money and by doing so, making her wet because he’s so nice by doing so, and kindness is so foreign to these people. Geez. He’s basically Satou from Death March. Or any over overly rich MC that goes around buying slaves in any isekai. It’s the same shit, but slightly reskinned.
Edit:
Tldr, if the story devolves to “gain money, lose money, acquire waifu, repeat”, there’s no point in being mad over losing money. That’s just the plot. Once he’s acquired the waifus he needs from the space station/colony, he can fuck off or try a take over. Whatever.