The OP's question links strongly to the often-asked question, "What is a credit worth, in terms of equivalence to 21st century Earth currencies?". Which has been discussed in numerous threads in the past.
The difficulty is in finding that equivalence point, a common frame of reference by which the 3306 ED credit and the 2021 US dollar can be compared. Because our two cultures are astonishingly different - that's what 1285 years of social and technological change will do.
For example, food and drink. Here on 21st century Earth, poor people mostly eat staple foods, crops and animal by-products they grow themselves, while rich people eat highly processed, prepackaged foods. In the ED universe, it's the other way around: the teeming masses huddling in the domes on crowded industrial planets are daily eating reconstituted foodstuff "printed" by autochefs using algae-based "food cartridges"; this printed food is mass-produced in such quantity that it is either free, or at near-zero cost. Actual fruit, vegetables, dairy, fish and meat are expensive luxury goods, consumed on special occasions or by the wealthy upper classes, though probably somewhat cheaper and more available if you happen to actually live on an agricultural planet.
On 21st century Earth where "natural" foods are still cheap and readily available, alcoholic beverages made from such foodstuffs, like wine and beer, are considered "normal" and are likewise cheap. But in the ED universe, the vast majority of people are forced to resort to drinking flavoured industrial alcohol; genuine beer and wine are luxury goods imported from agricultural planets, to be consumed only on special occasions.
So, comparing food prices isn't a good equivalence point. But in case you're wondering, I calculated back in 2016 that the price of a pint of beer in ED would be about 0.15 credits, wholesale. Which in turn would give an exchange rate of 1 credit = US$53.
Gold, likewise, is an unreliable "universal standard of value", because in the ED universe, gold is far, far more abundant than it is here on Earth. Which only stands to reason: gold can be found just by going out to an asteroid belt and strip-mining a rock; an hours work in basic mining gear can get you several hundred tonnes of the stuff. Beer, genuine beer, would still need to be made the old-fashioned, biological way, with grain and yeast and brewing time.
Look at it this way: On Earth today, 1 tonne of gold will buy you about 8000 tonnes of beer. In ED, at galactic average prices, 1 tonne of gold will buy you only 118 tonnes of beer - and that's after the gold price spike in the ED marketplace a few months ago.
Back to the OP's question: depending on which yardstick you use, a credit is worth somewhere between US$10 and US$2000. Making a brand new Sidewinder worth between US$320,000 and US$64 million. An Anaconda? Between 1.5 billion and 300 billion. By comparison, the space shuttle Endeavour cost US$1.7 billion.
On that basis, the vast majority of the galaxy's 6.8 trillion people cannot afford a Sidewinder; space travel of any kind would be an expensive dream.
