You didn't write about what I'm about to say, and I'm cribbing from other posts here, so don't take this personally. The following is all opinion.
The 'lore' explanation for what's going on doesn't make sense in the 'realism' arena. The first thing that would happen, were a player able to (or a real economy existed) is that a competing service like Uber or what have you would instantly start up, that would save both time and money - time because most of the time you could exploit your ship's jump range (which afaict is never as slow as the barge), money because holy moley is it expensive now.
This 'lore' is a contrivance to justify a gameplay mechanic, not the other way around.
Personally I literally do not care if it's a barge, a valet, or whatever. A literal jump for more than a symbolic credit cost makes the feature worthless to me as the opportunity cost is simply too high. I will always compare the barge's performance to what is actually interactable with in game - in this instance, the time it takes to jump, and the jump distance of the ship I'm looking to transfer are what makes it worthless. To me, instead of a QoL feature that would enable me to take missions from next door in my capable ship, or whatnot (I'm a very localized player, rarely stray from a 50ly radius) costs both too much time and too much money - and I'm a billionaire.
If the counter argument is simply 'well don't use it then' then I urge FDev to come up with a rationale and justification for the costs of ship transfer, much in the vein of other companies, so that we understand and have a reference to point at. Otherwise, simply saying 'don't use it' to me feels like a waste of a game mechanic and development time, if the use case is so niche that it'll hardly see any use.
Edit: If it helps to see my point, replace instances of 'jump range' with simply 'jumps' because that's how I view the time cost of travel - how many loading screens I'm about to suffer through to get to where I'm going. I will simply never decouple the ship I want and its jump range from the time it takes.
Edit 2: The table above seems a lot more reasonable and closer to what I'd expect the feature to cost.