Nah, that's still just as shallow of a mechanic as the one that's in place. Naval Ship Unlocks should be earned through difficult mission strings. After completing a minor 'storyline' one of the final missions will say something like,
"Once again we must ask too much of you, -pilot name-. Due to the danger of this next set of missions, the Federation has given me permission to grant you access to their entire inventory of technology and warships, including the mighty Corvette. Furthermore if you check your account balance, you'll see that you've received a 15 million credit bonus".
Furthermore there should be different licenses that you need to unlock or purchase. Missile weapons license. Class III weapons License. Capital Warship License. stuff like that which adds to your own personal progression. Because I agree that just having money in the bank shouldn't be everything that matters.
"Once again we must ask too much of you, -pilot name-. Due to the danger of this next set of missions, the Federation has given me permission to grant you access to their entire inventory of technology and warships, including the mighty Corvette. Furthermore if you check your account balance, you'll see that you've received a 15 million credit bonus".
Furthermore there should be different licenses that you need to unlock or purchase. Missile weapons license. Class III weapons License. Capital Warship License. stuff like that which adds to your own personal progression. Because I agree that just having money in the bank shouldn't be everything that matters.