Ok, back to your original question: because David Braben says so. His company, his ideas, his game. EOD.
You can discuss the possibilities, cheats and countermeasures all you want, but the most fundamental reason is that David Braben doesn't like it and won't give his ok to implement it. Whether you like it (apparently, you do) or I like it (I don't) is completely irrelevant.
Regarding your idea that a Big Ship is safer to fly than a Sidewinder: you haven't seen a fully upgraded Sidewinder then. Admittedly, killing even a cooperative Cutter with such a Sidey would be an extreme excercise in patience, but on the other hand almost nothing is capable of catching up with a souped up Sidey, and those few that can catch up don't carry enough weaponry to kill it before it can escape. No, missiles won't help you, either.
Where did you get that David Braben doesn't like it. And does it make any sense to get Braben in here? What are you? Trying to crush me with the authority of a more powerful person?
The part where 'gold sellers' flood the servers and start selling game money for real life money. Lose-lose situation for the game & players.
Invented some kind of horror story.
Here what we will be listing to. If the Op lame idea added. BOO HOO I spent $150 for an anaconda and Crashed 5 times and I lost $150 all because I was a new player wanting to get ahead. Call the credit card company and dispute the charges. The New player lockout of their game account and can't play the game.
What makes you think that a new player will crash on anaconda? Even 5 times. I don't really understand that. It must be some kind of completely unreal stupid person. Especially if he passed the tutorial at least once.
And why do you think that he will rush to buy anaconda? The game has nothing more to spend money on?
Your very idea of the game as evinced in your above sentence is flawed, what's a good ship? The best one for the job, which may actually be a sidewinder. For several years my main ship was the T6, I fly a Krait now, both reasonably priced and versatile ships. If you think the aim of the game is to get the biggest and best ship, and you should get that instantly, then once you have the biggest and best ship what are you going to do? Potte around a few months and then leave for another easy game? More likely you will find, as others have, the biggest and best ships are essentially useless without the skills learnt through at least several months of play. Then you will either leave the game because it's to hard or you will come to understand that games are more about money and go back and start from scratch.
The maximum you can buy for real money is anaconda. Other top ships require reputation.
But you are partly right. Actually, the goal of this game is to accumulate money. If the money goes easy, the game will lose its meaning. First of all, we need to solve this problem.
But this does not negate the fact that the transfer of money from one player to another is a very good idea. At least the transfer with some quantity limit, as written above.
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