I would be worried if I had finanacial problems or such and had to disconnect my internet until my finances were better. Coming back to the game to find my FC decommissioned and 5 billion worse off financially would result in a total removal of the game.
I never really wanted an online game in the first place, Elite was always a single player offline game in my view, if they wanted an online version as well, so be it, but there should be an option to play offline. The FC forced decommission would never be an issue then, neither would the upkeep since it would not accrue unless you were actually playing anyway, NPC's could use the market and generate a small amount of income for you, maybe not as much as players would in order to balance it. I always play solo anyway. None of these offline charges to force you to go back to the game or lose everything.
To me, it's unethical to force any player to keep playing like that. It also promotes burnout where people just never go back to the game because they've totally burned out on it. If you let them take breaks and come back two or three months later, you're more likely to keep them playing.