So, the game has a little blurb in the Game Master section that says that the PCs can begin the game with a lower Morality that cause them to start with XP and Credits. However, that is not the case in the Character Creation chapter. I think that spending Morality sounds better than just getting stuff for free. As is, you choose between XP/Cresita or high/lowMorality. However, since low Morality is inherently bad, I'd say it's better to stick with you start at 50 Morality, and can then spend it like Duty (5=5 XP/1000 Credits, 10=10 XP/2500 Credits, subtracting from 50) and setting a maximum of Morality spent to 20 (so you don't hit below 30). You could also spend XP to get extra Morality, if you wished.
Thoughts?