The game is called "Elite" not "Harmless". The ability to share the wealth between players would allow many players to leapfrog over the various ranks further diluting an already fragile rank system that literally is what gives this game it's name. New players shouldn't be flying fully-kitted Anaconda's on their first day in-game simply because they were bribed into joining a guild that has a massive shared player-controlled bank.
The entire point of the game is to rise from very humble beginnings (Sidewinder / 1000cr) to the coveted rank of Elite. Short-circuiting that sullies 33 years of Elite's history.
I can see where you're coming from, however that could be (possibly) be fixed by gating ships behind status requirements, although that would be a hard balance to achieve.
That said ... there are some of your suggestions that have merit. We definitely need more social tools in this game to allow players to work together as a minor faction, guild, cooperative or corporation.
...
Social tools, such as minor faction "tags" to let allied players better identify each other are much needed along with the ability to sort players in your friend's list into specific groups and send broadcast messages and offline messages to specific groups of players.
I feel as if being able to have a tag to represent your crew could make it more enjoyable, it would certainly feel like you are part of something of your own rather than something else's, such as minor factions. I don't see a reason why representing who you fly with would be a detriment to the game.
Also I would have to agree on that second part about sorting friend lists and overall managing our list, it can get cluttered and confusing, maybe you just want to create a group chat with your friends without having to wing up everytime. Could make the game feel less lonely for some players.
The current model of player driven minor factions is already sufficient to allow players to declare war on other factions by investing sufficient time and effort into the BGS. What we need are ways for players who are allied with a particular minor faction to identify themselves as such and to have a "vote" in that minor faction's next move in a way that is similar to Power Play.
I somewhat agree with this. Personally, this feels more like you are doing the work for the faction, more so than you are doing it for personal gain / desire / conviction.
Direct sharing of financial resources though? No. The Pilots Federation rankings are already watered down enough.
Fair enough.