I got this game about 4 days after the retail release, I was in open play no more than 30 seconds before some guy blew me away. At that moment I knew I had to revenge my self and the only way to do that was have the best ship. I did the Bounty Hunting and got to Expert - 5m in the bank, then started trading.
Let it be known that I HATE TRADING!! but I love fighting, when I fight I like to have the best equipment and to get that you need credits. So the question you need to ask your self is how bad do you want it, and what are you willing to do to win, because in this game the fight starts way before you pull the trigger.
You can't make enough money bounty hunting, exploring, or mining, for those that can't see that, there is no hope for you and you have no room to complain nor will you be taken seriously when you start moaning. There are some that are broke and want ED to nerf luxuries ( brainless ) because they want to slow the finances of those that have committed the time and effort to secure our financial futures in the game. By doing this they create a greater divide between those that have lots of credits and those that don't, the ladders we used to get cash will be gone and you guys will stay broke.
If you been playing from beta time you have no excuse not to have more credits than I have, the game was full of exploits, rares where unlimited, and you had luxuries all over the place, clearly it boils down to choices that you make. some of you just want to pew pew, in my Python I go bang, bang, and soon I'll have a kitted Viper, Python, Type 9, and a Anaconda where I'll go BOOM BOOM, then you guys will want to nerf the Anaconda like you moaned about the Python.. not because I like to trade or having money, I like to fight and WIN. Only about 6% of the community has figured out that there is no romance without finance in this game.. So make your choice, you want to complain about it or do something about it, because clearly the OP is wrong I'm living proof.