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also know as... 18 Quintillion to 1
Especially late game, it can be nice to do stuff like get your squad all the same type ships, have your settlement produce something useful, or just clean up extra tools or ships you never use (without producing any more credits).
At some point, we all hit the barrier of $4B+ credits. It is a good tool to reduce your balance to something more reasonable. At least for me, seeing it never change is kind of a drag.
Maybe you will get banned for making intense abuse of the Chat or doing some base spamming all around in very popular systems, but if I were you I wouldn't get active to verify the truth of this statement.
However, you can't expect even the remote chance of technical help from HG concerning adverse effects of that modification.
There was a story on several of the bigger game news site a while back (maybe 6 months or so ago) about a player that was banned from, not just No Man's Sky, but from whatever platform he was playing on. HG turned over his username to the platform, and they took care of it.
I read it on either Rock, Paper, Shotgun or Kotaku, most likely, seeing as those are the only two gaming news site I regularly read.
The reason for the ban was that he was a Neo-Nazi troll wreaking havoc in the Galactic Hub's space.