You wimp. Don't give up now. After a few more of those successful trading ships, you'll be on your way to being one of the richest merchants in town.
Why give up your rights as a burgess in a royal burgh? Use the fact that the king has granted you permission to travel abroad and sail overseas to make a profit.
Which card will you play?
Actually being a monk seems rather an attractive idea. Why not give it a go?