I think some people would be surprised to discover how much money they have after a month or so of just playing the game and varying activities and obsessing over cr or mats.
I think some people's heads would absolutely explode if they ever caught on that third party tools are in no way required or critical resources.
I've unlocked nearly all engineers, have over $1.5bn in assets, two anacondas, one of which is fully combat engineered, and FDL, DBx, FAS, and FDS, all fully engineered (except for pack hounds) and somehow, have almost always already had required mats (with new levels, I tend to think that it will become highly unlikely that I need something that I don't already have), the ships I want, and plenty to cover many rebuys, all without third party tools or having to seek out some latest exploit or grind.
Weird.