See....I dont see me loaning anyone 900 mills..or even 500 mills.
I just don't...maybe once, I would give someone that for a trader, but, honestly, I don't think many people would.
And as for coded balances to the economy here....I think we might need more living expenses.
More upkeep.
Just make it higher, make suiciding not a get out of repairs free card.
Give everything hitpoints, so your scanner, your armour, everything takes radiation damage...and make repairing things more costly.
So that there is some sort of balance between what you make and what you pay.
Sure, make a lot of money, but, that money making ship should cost a lot to run.