Idea for a short story
A ship's Captain offers free passage to the New World in exchange for a bargain: you have to tell him how you're going to change your life for the better in the future. If you fail to fulfill your promise then he comes to find you, compelling you to join his enchanted crew. One man has failed but always delays the Captain with elaborate stories of his failures and promises that his luck is about to change. We finally discover that he has abandoned all his dreams of riches long ago, since he met his true love and is living happily with her. The Captain deems this the greatest of all riches and leaves them in peace.