The in game lore also points to a lot of people having to spend silly amounts of credits to tailor an "ideal" body. Rehea: join military to afford them then ended up a debtor,
Reaha's problem was she wanted the classic Cowgirl look ('soft and curvy'), which is contrary to the military's goals, so they wouldn't allow her to get them. She only served for 2 years. Had she stayed in, she'd probably have done better. Especially if she'd wanted to look more like Cynthia. I half-remember her saying they'd pay for certain mods, like muscle enhancers. Maybe someone else said it. Or I'm imagining things.
Though that may prove the point. Two years' (Army) salary wasn't enough for the mods she wanted. Though she does say they were custom, and she ended up getting 'addicted', so she probably spent more than she originally intended.
Also: Penny is still in debt, 5 more years (on Mhen'ga).
Kirin bodybuilder on New Texas (the name escapes me,):
Mirrin?
Never mind that the coding would still likely be an decent undertaking anyway.
Obviously. Just not as bad as going over every single TF individually.
It's not just the money spent. In fact, if you tied it to an NPC, you could make it a huge money sink. Some combinations are extremely hard/impossible to get, just from the way the TFs are set up.