Clearly FDev don't want players to share wealth, ships, modules & other assets; we can transfer cargo, but only in a ludicrously inefficient and cumbersome way.
I can sort of see why, when there have been so many exploits, and no "taking away of the credits", there has already been enough wealth generated "in-game" to make every player a billionaire if it were evenly distributed.
But at the same time, it does spoil any attempt to create a feeling of a multi-player game. Multi-player is really reduced to ganking and winging-up to nuke already ludicrously easy in our uber-engineered tanks NPCs.
But - the OP says he/she is no good. What does that mean? You don't actually need any real skill to play ED, and to even beat it. You just need patience of an angel, or to search here or reddit for the latest exploit. Both the latter being much more quick and effective than transferring gold cargo from a benevolent player.
I am a useless pilot, I really am. I could fire a fixed-mount weapon at a planet and still miss. I could get beaten up by by kindergarten kids playing in sidewinders whilst sitting in an engineered python. But my skills are still more than good enough to survive pretty much any scenario the game throws at me, and if I get blown up, I have more than enough credits to rebuy and try again.