Anyhow, I understand your answers, but I think, I had not really discribed what I mean.
Lets say the 5 men crew has a ship with has a total cost of 5 millions. 15% repair cost is about 750.000. So the need to get this cash. That also means for the crew, that they wont go out for 1.000 or 10.000 bucks. Only if there is no risk for the ship. They will go out for more money. The issue what I mean is, when they have 750.000 or more cash, they can also affort a lots of other cool items. Eg. a barrier shield or a complete Combatarmor Type X. And all the other stuff simply looks very cheap against having a ship and paying the frequently efforts for it.
So what I mean is, when the players have an own ship. All the other stuff is nearly irrellevant in its worth. they can buy it twice. so it is not very hard for them to earn this. when I am the GM and I give my players a ship and missions for upkeep, than I have problem when they want me to give them cool items for thier bucks, don't I?