And by "early", do you mean "1984"? Being able to go pretty quickly to the biggest ship if you know how has been part of the series from the start. (For that matter, there's been complaints about the balance of the payment system in Elite Dangerous since before 1.0)
Elite I: you couldn't change ships, but an absolutely fully-equipped Cobra III would cost about 35,000 credits. Once you'd got going with a large cargo bay and a bit of reserve cash, you could make about 1000 credits profit on each trade run. So you could get the maximum ship in maybe 50 (fairly safe) trips.
Back in those days no-one did because we didn't have the internet to read up on all the tips and tricks for fast progress, of course, but it was very possible.
FE2/FFE: A Panther Clipper plus equipment might set you back 3.5 million credits. Doing completely safe high-profit runs between Barnards Star and Sol - and trading up to the next largest ship frequently - it didn't take long at all to get this sort of money. You could make over 1000 credits per tonne profit on cargo if you took advantage of the frequent "X needed" missions, so you only needed to haul 3500 tonnes or so.
Well I wasn't referring to the original Elite par se. I consider Elite Dangerous a new opportunity to do something great.
My issue is that credits could have been a legitimate progress yard stick where as you progressed up the credit ladder then 'eventually' the larger ships would become available where larger trade runs or mining hauls would make money earning easier and thus a gradual progression of earnings would be scaleable to work done in game. It should take a long time to work your way to each ship, forcing you to take logical steps from one ship to another. Now people just do a bit of high pay work and basically jump from sidewinder to anaconder in a day or two. This would be fine if the anaconder actually opened fresh gameplay that lesser ships were missing out on so that the game had legs (as in going distance not space legs!). As it is there is basically a galaxy full of top class ships and multibillionaires. It is what it is and credits are no longer anything to judge anything else against, which is a shame I think, if for no other reason than you miss out on the ship progression, trying out lesser ships for the hell of it after the fact(because you're loaded and went straight into an anaconda) is not as meaningful as trying them out because its a necessity to do so.
Its a bit like saving up for years for a sports car verses finding a suitcase of cash with a billion in it where you can only spend it on cars. You buy the best straight off and the whole car buying/driving experience suffers for it.
The game is now at a point where something else has to provide the incentives and consequences because money doesn't any more.