So I did this two ways when I was a young lad (and all this forum was fields, and I had to walk barefoot to school in the snow every day, uphill both ways). First time I played Frontier on the Amiga, I learned about the various bugs - the phantom ejecting to give yourself infinite cargo space, selling my ship with an occupied cabin, etc - so within a couple of days I was flying around with a Cobra MkIII kitted out with a small plasma accelerator, 20 cabins, a class 7 hyperdrive, 50 shields, every possible upgrade, and my bank balance wouldn't even fit in front of the dollar sign. Needless to say, I got bored fairly quickly.
Revisited the game several months later, started again, and this time worked my way up properly. Every accomplishment meant something, every new ship was a milestone, every increase in my Elite rating was a celebration (best I got was dangerous) and before I knew it, my friends forgot who I was, my girlfriend dumped me, and I went from being the kid who was constantly outside with a football at his feet with his mates to this pale, slightly overweight odd looking lad who avoided sunlight like a vampire!
Long way of saying, I really hope we have to work for it. Not saying it should be impossible, but the whole concept - you have a ship and a hundred credits, that's it - is what Elite is all about. I CERTAINLY hope that FD doesn't deviate from that. I know we'll be able to walk around the stations or planets, but hope it doesn't turn into something like Second Life, where the servers are bogged down with horny kids in crazy avatars. Or that FD doesn't do something where you can "buy" credits with real money, so those with deep pockets can just pay X amount for a 100,000 credits to kit their ships out.
Load new commander, play the game properly, work your way up. Hope that's the way.