The answer to both your questions, as of right now... is no.
There isn't any way to own more than one ship, period- even in multiplayer, you can't trade ships. Lame, but true. As for the second thing... there's no way to get an NPC to pay you anything directly. All payouts are part of mission structures, and are really paid by whatever part of the code watches for certain booleans to be set ("mission accomplished", etc.).
It would've been awesome if DA had finished ripping off Escape Velocity (which is very clearly what the game's design is based on, if you've ever played it), where you can help people in distress and get rewarded, run escort missions, and eventually build fleets with which you can conquer worlds... and make money from taxes, whilst avoiding assasination by the Bounty Hunters
But no, DA ran out of money and MS ran out of patience, and Freelancer was shoved out the door with many features incomplete. It's still a great game, with an awesome engine, but no... you can't do what you want.
In my mod I'm working on... one of the big deals in multiplayer will be that making serious money will require cooperation between players, not just playing lone wolf. So in my game, you should see a lot of "escort my freighter, and I'll cut you in for 50%" stuff going on. That'll help people really get into the game, I hope, and create that "Privateer feeling" that the original game never quite reached...
Edited by - Argh on 11/4/2004 5:33:12 AM