This is one of my big fears. I really hope that FD have given serious thought to emergent gameplay. There needs to be other goals outside of earning credits. In other words, amassing wealth should be a side effect of doing other activities - or a means to an end; a tertiary goal.
You mean emergent gameplay such as this?:
https://www.youtube.com/watch?v=KbaLJTGHkj8
You seem to be looking at larger ships as a kind of "End game"... Why stick to an Annie when you can have a blast with a Sidewinder? ;-)
In my case, after i got some 15 MM Cr. I sold my type 9 and got back into my Viper. With all that money I have now I can try all the weapons I want, the way I want and how I want (never tried Anacondas yet).
And it s a blast to be honest. Living the life of a fighter pilot without Cr. is tough but now after saving some it is so much fun.
I cant wait until they revamp the Eagle as planned to give her more jump range, because that is going to be my baby. Cant beat those turn rates and the coolness of that nimble ship.
The greatness of ED is that, even in an early beta stage, the game already allows for players to NOT need to get the larger ships to have fun or as an "End Game".