From Fallen London Wiki

Exactly. You get no satisfaction, no Sense of Pride and Accomplishment™️ because you just skip the ride. And you know what else you skip? All that sweet sweet Plunder. We Zub owners, on the other hand, can zail for days at a time with our TW reducing cards, and luxuriate in our plunder and thick Scottish accents. There’s a reason it took them an entire book to find the Red October, and its because we Zubhavers are just that good.