The simplest solution: Open EV Data with ResEdit, open the first ferry passenger mission, change random availability to 100, change payval 16000000000, if you want to go a step further alter desc to tell it apart from the others, save, play. Voila 16 billion credits, no downloads, available whenever you want it.
If you want to have the ability to remove it just make a plug (copy TMPL, create mďsn) and copy mďsn 128 from the data into the plug, then do as above.
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