What I've come to realize... wipe or no wipe, it makes no difference.
First of all, this isn't a competitive game. Just because Player X and more money than Player Y - Player Y's experience won't differ.
The chance of Player Y crossing Player X's path in a 400 billion star system game, it's extremely low.
Second of all, even if there was a wipe. There are players starting with just a sidewinder. Then there are people with Sidewinders and Eagles. Then there are some with Sidewinders and Cobras.
So where is the balance there?
Third... What of the new players joining the game say 6 months down the line? When people have already amassed credits. You want FDEV to wipe the game for when every person joins the game? It makes no sense.
And finally... who cares? I don't have that many credits. I worked my way up to a cobra by mining, and sitting comfortably. I enjoy the ride. It's not a race.
There are players who are trading rare commodoties for millions at a time. Does that affect me? Not in the slightest.
I am enjoying my experience in the game. Just because someone might have a bigger ship than me at launch, it doesn't phase me in the slightest.
I think the competitive nature of gamers these days are clouding their vision for games. Just because it's online with other players, it doesn't have to mean it's competitive.
Someone with 10 billion credits in a Lakon Type-9. They aren't going to do anything to me, while I'm in a Cobra, battling my way with only a million credits.