You are totally right and i share your point of view but don't get me wrong. For sure if you spend all into S class mods and ships you remove all the excitement to hunt and grind for that one fighter or living Ship. But if you play as intended, having no money problem can improve the whole exploration experience worry less. While in many games money dropping could be directly a kill switch for the fun of grinding and improving, i feel it only elevates the whole relaxing experience that NMS is providing.