After watching replies throughout this thread, I've come to the conclusion that some are seriously out of the loop when it comes to connection to reality. I'm of the belief that most CMDRs really don't have "billions" and there are very few that actually do.
I'm not really sure what you mean by 'some are seriously out of the loop when it comes to connection to reality'. Do you mean that those who have billions of credits have lost touch with reality? Or, perhaps, that many who claim to have billions do not? In either case that's not really a very nice thing to say.
My apologies if I have misunderstood.
I'd speculate the actual "average" is < 500 million credits in assets with around 250-500 million in credit reserves. The outliers seem to be either new players, or players who've been around a while with > 2 billion in assets. (a few with even more)
And so it is in reality; a very small number of folk are either very rich or very poor. I see no reason why the, admittedly artificial, economy of a game should be much different.
I'd also speculate the disconnect is relative to the amount of playtime each person has available to them. The more time you have in-game, the more assets and wealth you're likely to acquire. Not everyone is "retired" or "unemployed" or lacks real world responsibilities that allow them copious amounts of time to be spent in games.
What 'disconnect' would this be? This comes across as very hostile to those with large in-game wealth, and I don't understand why you should apparently feel this way.
Of course time spent in-game is a major factor in wealth accumulation, but so is attitude and (dare I say it?) skill. I am neither "retired" nor "unemployed", and I assure you I take my real world responsibilities very seriously. I choose, however, to spend a fair amount of my 'free' time in the Elite: Dangerous universe and have adventures vicariously through my in-game characters.
I imagine my main Cmdr to be along the lines of Mal Reynolds - something of a scallywag but basically a decent human being, but always
always with an eye on how to make the greatest profit. I have ships to maintain and a creww to look after, after all. I have taken part in IIs, CGs and AX activity with the latest incursions. Due to the way I choose to play pretty much every activity has returned a very nice profit. Just the Universal Cartographics fees from exploring on the way home from the Witch Head incursions provided >150 million cr, while I earned maybe 300 million cr from fighting Thargoids (and the associated missions) while out there. Last night I switched to a mining ship and spent maybe 2 hours burning rocks for another 300 million cr or so. Maybe I'll do the same today or maybe I'll wander off and do something else, but whatever I do you can be sure it will be as profitable as I can reasonably make it.
I don't think Fleet Carriers should be priced too high to be unattainable by anyone who wants one, but neither do I think they should be cheapened to the point of meaninglessness. After all, it takes a fair investment of time and effort to acquire the Anaconda, Imperial Cutter and Federal Corvette. Would it be unreasonable for Fleet Carriers to cost maybe the combined price (+/-3dB) of those three? Fleet Carriers may be 20 million cr or they may be 20 billion; either way I intend to be as prepared as I can be for when they arrive.