Holy Money Bags, $12B credits ??
Compared to you guys I'm a piker, but I have noticed something; once I hit $2B credits ( pretty much cargo delivery only, no road to riches, no get rich quick schemes, no mining at all) my interest in earning more vanished. I now have enough credits for any mishap in my current play style ( am presently sightseeing/ exploring and loving it) and enough to buy additonal ships if I want them although I like flying what I have now and don't seem to be motivated to buy any others.
Another words I have enough credits to enjoy playing the game worry free. I think that number is different for everyone but for me it's probably this or close to it.