I know this is going to be controvertial, but i just don't see the point of credits any more. Players can go from sidewinder to anaconda in a week. Money is so easy to make, rebuys are a joke.
Do you agree? Do you think FD might as well just remove credits, or just award everyone a bazillion credits as soon as they start a new CMDR?
Is this good for the game or bad for it?
If ED was a game where there was something to spend these massive amounts of credits, for example, like X's empire building, then there might be a use for them all. If it was a single player game, well, i still think it would be far too easy to make credits, but hey single player.
Personally though, i'm not aware of any MMO which has "gold" raining from the sky like ED has with credits. I think in most MMOs it would be considered very bad for the game.
Yeah, credits are a joke, but removing credits or giving them away is an even bigger joke.
Personally, I wanted the credit earning to be such that just getting your preferred ship into tip top condition was a challenge, and then maintaining it that way also took some forethought. People with fleets of dozens of A-rated maxed out ships? Crazy.
Anyone looking to be Malcom Reynolds or Han Solo gets past that phase in a week and are instead effectively bored spoiled rich kids looking for kicks
(I'm not saying that's how they roleplay it, but if you've got a billion credits in the bank and choose to fly around looking for people to shoot, you're not so much a mercenary as an overly rich guy wanting to hunt the most dangerous prey of all: Man)
So I've stopped looking at credits as any kind of metric for my game enjoyment. Sure, when I look for missions I look for the big payouts (or with the materials I currently need), but that's more for the roleplay than anything.
Trading or mining for me only make sense if I NEED the money. You know, a job. I tend to take missions for that reason - at least then I feel like I'm being approached by someone and I can mull over whether or not I'm going to do it (though having interaction in missions would be a HUGE plus in my opinion... haggle for a better price, long term consequences of dealing with or crossing the wrong people, etc...). At least it feels a bit more satisfying than just hauling freight for its own sake.
It's certainly the reason exploration appeals to me more now. Exploration is its own reward, and the data you bring back a bonus. And Distant Worlds is a great example of how that kind of long term gameplay can be rewarding.
But earning credits, and going through the motions of buying and upgrading a ship, even if it's ridiculously easy, is still an important part of the game, in my opinion. If only for the feel.