Eh, I don't really see how this adds anything to the mod... It makes it take ages for people to get the ship that they want. This might deter some people who just play to earn a lot of money and get their big ship, but it also hurts people who genuinely want to RP a specific character.
I've never been fond of the 'pay your dues' mentality, where newbies have to spend a 50 hours of playtime before they can get a ship that any older player can get in 5 minutes with a money transfer.