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What happens if a goblin doesn't work while in town? GM decides? What if they don't go to work because the disorder crisis says no work is to be found? If the only detriment is "you might not get1 scratch", that's not much of a downside.

If there is work to be found, they need to do it.  Trying to dodge work is a risky action, so you could have the Goblins make a roll to skip it.  The disorder crisis seems to give a break, since goblins don't have to work, but its a sign that the town is near to collapse.