I basically agree with the OP. The costs of many things are almost prohibitive to the player serious about RP, but casual on time commitment.
Can there be a few status icons (cheetah thruster, BS Scanner) for ridiculous scads of money? Sure why not.
With the battleships costing what they do, and my available time, I'll probably never RP one. Not for lack of a good idea or the want to RP one properly. But I just don't have the time to grind that much. Maybe one day I'll come up with a better way of making money, but for now I'll stick to the smaller ships and maybe someday get a cruiser. Same goes for armours above CAP V, VI, they just cost a painful amount. I'm not even looking at VII or VIII for anything, ever.
Basically, the prices of capships as they are neither really discourage lolcaps nor facilitate RPers getting to where they might make good examples if they don't have the time for the huge grind.
How do we fix this? Don't really know.
Making things cheaper means more people have them. More players who can't RP, but also more who really can. There's a balance point that would be best for the whole community (not just the ones who have stuff already). The trick is finding it.
And for the record, I would much rather fly a cruiser than a battleship if I can get to one.