It costs 550K for faction cards when you each level 30. Judging by my experience I will not have 550K for a faction card when I reach level 30. Reason is simple when you die you lose your missles and cargo. Doubted I am an RPer it will not happen because I die when I dock.
Which leads to bug 2. Instant docking would take out vast majority of bugs and the 2-5 minuite dock time because ships are not docking at thei normal place. If they kept docking at their normal place then you would not wait 2-5 minutes but 30 seconds to minute. And, leads to various other docking bugs with "regular game" ships.