Why do the crew of the Clear Air Turbulence bother with their work when they could just live in The Culture?

Why bother with things like caring about the price of salvaged materials?

They could just get a ticket to the nearest Culture world and live in a utopia of Fully Automated Luxury Communism. They were even on a Culture GSV where they could have just ditched their lives of worrying about money for new lives where they would never have to worry about money ever again.

edit. I know that if Earth made contact with another civilization that was basically The Culture I would get a ticket over there. If I couldn't get one for free I would take out as many credit cards and payday loans as it would take to pay for a ticket, max them out and get out of here.