Tobias S. Buckell’s 2018 The Trove is a standalone SF adventure novel.
Interstellar travel has not eliminated social stratification. Earth is home to oligarchs whose wealth is hard to measure. In contrast, the wealth of Jane Hawkins and her two mothers, Sadayya and Tia, is very easy to measure: it is the Nelson Inn, located in the unfashionable part of Sargasso Port. Customers are few, the inn is struggling, and Tia is slowly dying of an incurable disease.
A more prosperous inn would have turned away rigger Villem Osteonidus. Not only does the cyborg lacks any personal charm, he’s a drug addict. But the Hawkins Inn needs every customer it can get. Villem gets a room, one his hosts expect him to occupy for only as long as it takes for the drugs to kill him.
Villem has far worse problems than his addiction.