Michael Masters

 is a ghoul residing in Warrington Station. He lives with Roy Phillips and Bessie Lynn. They are all trying to find a way to break into Tenpenny Tower, so they can live there. Most of the Tenpenny Tower residents discriminate against Ghouls, they do not let anyone like Masters into the building. In the Tenpenny Tower Quest the Player Character can try to convince the residents that ghouls are not bad.

Before the Great War, Michael was a scientist. He claims that they were making real scientific progress, but people got hurt while doing so. "And then those goddamn bombs fell."

He also says he used to vacation in Tenpenny Tower.

Shop
When you first meet him at the Warrington Station, his inventory will be mostly random junk. If you let him and the Ghouls enter Tenpenny Tower he will take over Gustavo`s and Lydia Montenegro`s shop, meaning he`ll sell weapons, ammo and junk, with a rather big discount. It is worth noting that you can buy a Dart Gun Schematic from him even if you bought one from Lydia before.

Appearances
 only appears in Fallout 3.

Quotes
It may be a reference to the in-game Karma system. It may be that Michael is warning you to consider your actions.
 * "Karma's a real bitch, you'd be wise to remember that."