Quite true. It's a harsh goddamn world. A quiet, honest respectable merchant (which is what you described) probably isn't interested in working with ninjas unless he has to, and if he has to would rather work with his local Ninja Village (or in the case of Rice the most well-established clans he can find).
By definition, anyone who would work with Hazou's team is also someone who has the potential to cause trouble for Hazou's team. Either because they're greedy or they're in a bad situation and need a way out* or because they're excitable and enjoy taking big risks for big profit. There's simply no escaping that fact. You either accept it or give up on working with merchants.
I mean, if you disagree please explain it to me from the perspective of your quiet, honest, merchant who is already good at making money. Put yourself in their position and tell me an approach that would convince them to take a chance on Hazou's team. Because I guarantee that is the standard the QMs will apply. Remember, you specifically said a merchant who is not a scoundrel, has no troublesome personal situations (I know you said gambling or drinking; I assume you meant a stable situation in general) and likes minding his own business.
What exactly is the pitch you're going to make to such a person?
*The reason the innkeeper's daughter was willing to throw in.
We are questionable ninja. It doesn't mean we have to act like one.
I don't know what this means.
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