QUOTE (Ascalaphus @ Oct 14 2011, 10:00 AM)

I think a quick plausibility test for payout would be:
Could the runners have accumulated the equipment they started with if they'd been doing jobs earning this much, with expenses this high, in the past?
Uh... you didn't want to do that particular check in older versions of this game...
The problem is that cash rewards should work as a postively reinforcing cycle - you get cash, you invest it, you get more cash, you reinvest it - and so on. This disregards the varying value of cash for different archetypes - for some that cycle does not work, because they have to invest karma to eventually get more cash, but the karma cycle is at least theoretically static - karma rewards are more per run than scaling with the difficulty, or at least the scaling is very small compared the increased investments necessary.
Even for cash, there is a threshold - and it's not low - at which that cycle can suddenly start working. That is when runs start bringing in loads more than lifestyle eats up. And that's very real-life-like. IRL, if you invest small your payouts are small. Invest big, the payouts are big. But it's not actually realistic at all for a starting runner to have aquired implants worth tens of thousands if he wasn't already in the cycle. So ideally, you have to create a fluff requirement as to why this finely honed professional suddenly goes back to doing milk-runs - or else he shouldn't be doing them. BUT... there are a multitude of reasons, it's just a question of using them.
For example: My groups sam/face is a single mom who wants to give her kid the apparition of a perfect middle-class (or better) upbringing. Her lifestyle costs quite a bit, so she has to be fighting to maintain it.
So the entire equation only really works, IMHO..:
- if payouts are on the scale of the characters, and this is clearly the GM's job to make sure they are. This depends largely on lifestyle, which is why characters (i.e. players) should take care to choose lifestyles appropriate to their level of professionality. Sure, the immediate benefits of a good lifestyle don't seem to be great, but who wants to hire a bum for a high-paying job? Vice versa, if your lifestyle is too high you can never enter the cycle. Of course, it would be boring if ALL jobs were paying well. It's in the nature of being a freelancer to have varying levels of income. You can earn big, but there can be some harsh stretches.
- when keeping the mechanical equivalence of cash and karma even in the game. At least at that point I don't need to worry about consistency, it creates itself. [Admittedly my perspective is very subjective in that in no groups I've played in or ran we have put great weight on the paying for tuition aspects. Mostly self-taught usually works at no extra cost, at least if you've used the skills.] So for me, cash-for-karma creates instant satisfaction, and my group agrees.