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So god only knows actually. Maybe total ships? I alternated between large ships and macks to reduce "playing again for the Nth time" burnout.
Also, don't start smashing up the ship willy nilly. You need to meet a sabotage quota, but a lot of that is easier if you take apart lots of the ship normally then send it to the wrong place instead of "So setting off a big explosion on purpose means you now need to chase down partial shards of hull plating that are not ruined enough to count as destroyed and still need to throw in the furnace to count as sabotage, floating between aluminum shards where throwing THAT in the furnace isn't sabotage." awkwardness.
Amusingly, jank if you try to play "for the corporation" I tried to play entirely normally at first out of curiosity if they considered that at all. But after a few initial compliments from Hal for doing your job instead of rioting, the narrative started treating me like I was sabotaging the ship with Hal screaming at me just from stingering cut points... yeah.
So I just said ♥♥♥♥ it and filled the sabotage quota at that point.
Unlikely, since I was close to wiping away the debt before the story picked up. It might be tied to number of shifts, though. I play Open Shifts, so I got a ton of Certification ranks between story segments.
On top of which, I expect a good chunk of what little total profits "After" the plot, I earned was because I delayed the playing the already unlocked final mission until after I unlocked all of the rental fees.
But it would be hilarious if it really did go by total shifts, for yet another reason open shift mode is basically ♥♥♥♥♥♥♥ with the player due to jank in spite of being intended as the "Easy mode".
I think it's not tied to your balance but somewhat to your shifts.
I was level 21 and roughly below 800M when I get the trigger, and when I got the refund it includes 43 days of overnight genetic backup fee (aka number of shifts). As others said they get more cert levels and credits per shift in open shift mode which does not support the debt trigger at all.
It might be the case that you must have heard all dialogs prior to the action in order to trigger it, and dialog can only be played once at the start of a shift and after a shift. For open shift, it seems they are doomed from the start...