Dont have that problem.
I play since Beta and just recently bought an Anaconda.
It is easier than ever to earn money.
Everyone can go bounty-"hunting" for 2 million an hour. 100 hours to Anaconda.
You can go do community goals, which pay fairly lavishly and get you 10 million for an hour or two once you are in a big ship.
You can go mining, create treasure maps and do Painite 75k Boom sales.
You can just look up trade routes and do 2500 cr./ ton easily per round trip.
So, passenger missions have been nerfed.
But there will always be opportunities to earn credits. They have come and gone. And they will come and go.
Rares, seeking goods, wing trading, some community goals, smuggling, Sothis / Robigo, Skimmer missions, passenger missions.
There will always be a FOTM way of earning money.
Just play the game. And you will get your money and your ships. Sooner or later.
Unfortunately, the players who arrived after Horizons are used to nothing BUT ridiculously high payouts. They are Veruca Salt's in real life:
This is exactly what they are. They don't care how; they want it now.
You two are completely delusional. 100h grind to Anacondoma hull is MMO like grind (Then there is the 300h grind for internals). Something that will make Korean blush. The MMO's have this grind for a reason. In MMO's the anaconda is status symbol, and in many ways can also effect the game play of other people.
ELITE IS NOT AN MMO. It is some deformed offspring of low budget server up keeping, sporadic promises of "play with friends" and totally broken p2p instancing mechanics that can be broken by 14 year old script kid with packet-limiter.
There is a reason FD don't punish commodity duper: It don't effect economy, it don't effect other players.
Having and artificial high grind to what is now considered medium stage game content, not even late stage, is just plain off putting. I find the grind in X3 Albion prelude more rewarding, because in there you can at least leverage your assets to produce more assets. The grind is rewarding there, and also actually *gasp* FUN. In elite its just dull, repetitive and at this point, unrewarding.
Now, i fly this game with Vive+HOTAS. So i mainly enjoy the ships, their interior and their feel and handling. So to me, getting ships and fly them is the most fun part of the game. Not being able to access some of them because i don't bother to put "mere 100h" to grind just for the hull is insulting.
Now how i see this is the FD has two options; either balance this games rewards to reflect the true nature of this game - A theme park with procedurally generated placeholder content... and work from there to improve it.
Or turn this game in proper MMO with separate solo and open play world and better player interaction system like money transfer, item transfers, player commodity markets and all that jazz. (not going to happen and you all know that)
Oh, and i will not buy the Horizonss just so i can farm the current meta skimmer missions. I will refuse to buy any FD products until they pull their collective thumbs out of their collective arses and decide what they want ED to be. A theme park or MMO, and start balance the game accordingly!
This game is now literally in sorrier state than X3 at release. The only reason i still like ED is because they got the ship feel down well to play it in VR. Beyond that, this game is a flaming joke on a stick.
And before any one of you go "muh 200 gorillion stars". Space engine got even more, look nicer and is FREE. If i want to look at alien scenery of bizarre worlds and physically plausible vistas, i load it up. Not ED. ED is becoming so niche that its sqeezing even the avid space-autist like me, who invested 2000+ euros on hardware to enjoy space-autism, away.
Well, there is star citizen coming around the corner so there is that...