I can see it being a thing... "But"
It would have to be something more along the lines of this:
First, split currency into 2 banks - The "Bubble Bank" and The "Colonia Bank" The bubble bank holds standard credits & the Colonia bank doles out Colonia Credits.
When you first take the trip on the "Colonia Ferry Service" you apply to become a citizen of Colonia, this gives you access to a Loaned Sidey + 1000 credits just as in a normal start. The bank of Colonia won't initially allow you to transfer credits between the bubble & colonia but will offer an introductory mission that will allow you to get the ball rolling.
Complete the introductory mission & you can transfer small amounts of your "Bubble" Credits to Colonia Bank, in exchange for a small handlers fee (this will increase exponentially the more you wish to transfer providing diminishing returns) once per hour (can be set automatically at stations). Improve your relationship with the bank & you will get more favorable terms etc.
Explorers getting there the "old fashioned way" will get immediate access to this service & be able to transfer all their credits immediately if they so choose (as they already have the respect of the bank). Those that have made it to Colonia the old fashioned way will also be able to use the ferry to get back - but their ship will have to stay in port & get transferred back if they want to keep it - just like those on the outward journey.
The passenger "Colonia Ferry" is only fitted out for taking people from Port A to Port B in a single jump, to cargo, mats, equipment data anything, just people. If citizens want to move their equipment it either has to go the old fashioned way (manually) or get transported there (expensive). The cooldown could be 24 hours between trips - again, only for passengers & the trip has to be paid for in the local currency - you need to earn your ticket back (which can be difficult if all you have is 1000 credits).
The net effect is that the game effectively provides you with another start point later on in the game when you have done all you want to do in the bubble (or a simple fast travel point if you have explored all the way to Colonia). Players who chose to use the ferry rather than make their own way there will have a lot of work to do to get established, explorers will have more opportunity because of the choice they made & should be rewarded for the extra effort they put in to get to where they are.