First World Problems
The good Doc has ran on more than a few hard times in his years. After one failed attempt at adventure left him down and out at an outer rim bar, Armstrong called in a favor from an old contact to find a modest job as an insurance adjuster.

A Failure of Character
Some inherent flaw in the character causes them to leave behind the life they knew for the unknown.

Debt: The PC owes someone a great deal, whether in money, goods, or services. The character may owe this group or individual for loans used to pay for training, buy new equipment, or start a business. Paying off the debt may be difficult due to the sheer credits value in question, as a result of the constant accrual of interest that must be paid off, or because of both. The debt might even extend beyond financial obligation, especially if the PC also has a personal relationship with the lender.

Contract: The PC has a pressing contract to fulfill, whether it is legally binding or an informal deal. The contract may be for providing, installing, or repairing technical items or on-call services. Fulfilling terms of the contract reduces the character's Obligation, while putting them off or incurring additional expenses for the sake of fulfilling the contract might increase it.