Yea there are good points here... but you'd be destroying Discovery to do it. You'd be creating YOUR perfect vision, but we have a community that's been built by the current balance. Just look at the reaction to bomber nerfs and we only had 2 of them for one version.
You want to do this? Add a player wipe? You'll cripple Discovery for a very long time. Not to mention everyone will be really broke and that'll just make everyone desperate to get money and start to be even more aggressive in trading and sharing cash and all that.
You guys are talking about making a different mod. You don't like trading the way it is now? Well then I think you'd have to go to another mod cause I think that changing this one to that effect would basically be making a new one anyway, and killing the other one.
The other thing is to take into account new players or people without alot of time. Everything takes 30 hours to get? Oh great... I only have one weekend off this month... nuts...
Basically what you're talking about doing is changing the relative value of a credit. You can make everything cost more, and then make it harder to make a credit. You're changing the entire face of FL, and that wouldn't be in the spirit of Discovery, maintaining the original Freelancerness of it.