Try transferring a ship that actually has any value. A Conda or Vette will make you poorer by 3+ million credits for just a few light years.
But the most ridiculous problem is time. They should cut it down by half.
I was quite happy to pay 1.5m to get my Python sent 180ly. Whilst waiting the 38mins I done a sight seeing tour earning 5.5m so much more productive than flying there and getting it myself, an extra 4m in the bank.