OK, this might sound weird, and I think I want to be talked out of it but....

[[VR] Frank_G]

Had half a bottle of jack... and i am still thinkin´ it would be a bad idea. Just join open and blow some of your millions to bits. They will really help you becoming a decent battle hardened pilot. Would be fun too. And anyway, who cares for money in Elite? You can wipe your character later still. But don´t do it with alcohol

 

[Negative Entropy]

Just buy an expensive ship, equip it until you're down to 33k, then buy a sidewinder.

have some rep.

this is an excellent suggestion.
one more thing on my todo list!