We are a simulation with some amount of economy involved, due to Cargo existing and the gameplay/fantasy we pledge there is to emulate warehouse work and logistics. It is only natural that with some amount of capitalism in the simulation, people are going to suggest personal funds, because that is how real life is.
But I often see very little reason beyond that. SS14 is not persistent in its gameplay between rounds - not saying the game can’t be made to work with persistence, but that is strongly not what we’re doing with upstream, so we can rule out any such system.
So what we have left are cash systems self-contained in the round. And then the question I land at is:
What does it add?
Paying snack vending machines, or departments for tools? For vending machines, you are never gonna be in a position where you can’t afford something, or else any other use of cash is gonna be prohibitively expensive. For interdepartmental trade, are you going to have a fun time having items arbitrarily withheld because you don’t have funds? There are already reasons to/not to do trade which are much more fundamental to the sim aspects (personal conflicts, lack of resources, department bombed etc).
It was raised that one could use funds on personal orders like plushie crates or whatever but the thing is, you already can. Except instead of paying money you do Cargo a favor, or you get some materials for Science. Barter is still economy, and when it comes to loosey-goosey trades between individual crew members it is often easier to ask for a favor than demanding value-appropriate cold hard cash.
None of the benefits of personal cash seem like they give much over the existing system, not to mention downsides they can introduce. Personal cash is not additive, you will be removing the current system by implementing it.
Which is a system where you get stuff for free. “Space communism” jokes aside, just because we’re a sim doesn’t mean we need to be a capitalist sim. The food in the bar is free, enjoy the benefits of having your base needs subsidized.