A really easy way to fix the junk-hoarding version of this is to force characters to sell any available junk to meet the total repair costs. You know, sort of like how a bank takes away your **** when you can’t pay off a loan. You could also stop using the junk system altogether but I think it fits the theme of the game too well to do that.

As for hoarding consumables, that doesn’t even count as an exploit in my mind. It’s always been considered acceptible for noobs to buy what consumables and repairs they can when they’re broke, so it doesn’t clearly cirgreat timesvent any game rules. And it’s not very useful either; you’ll never have money for anything that suddenly comes up, so you have to sell the consumables you bought for big losses even at 6 Frugality. If someone wants to do that just so he can get the Cred E-Peen, then he can go ahead. Meanwhile, I’ll just keep doing what I’m doing and end up getting that E-Peen eventually anyway.