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. Also there is a chance he can be the Boutique Le Chic shop owner after you let the ghouls in. If he is, he will sell you Schematics for the Dart Gun.

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.

Appearances
 only appears in Fallout 3.

Quotes
This might be a reference to the TV show, My Name is Earl. It may additionally 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."