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As for ranking up combat, you will not earn any credit towards your combat rank while in multicrew (unless that has been changed recently which I doubt).
As for host profit, you won't dent their profits but if you destroy their ship-launched fighters, that comes out of their pocket. That said, those fighters are dirt cheap, so no need to feel guilty about that if you're not deliberately destroying them (but do try to make them last because hosts can only carry a limited amount of them).
The worst thing you could do to a host, is to attack a friendly ship. The worst thing that will happen to you is an auto-kick. The host, however, will have to deal with a fine being applied to their most expensive ship.
By the way, I should add: while you won't hurt the profits of a host in multicrew, you can hurt the profits of other people if you're both attacking the same target but you're not in multicrew or in a wing together. In this scenario, 100% of the reward will go to whoever lands the last shot regardless of whoever did most of the job.
Can't they sneak out of that by rejecting the rewards alongside with everything else? I've done that to avoid fines when the host has shot things they shouldn't have.
I never understood why the fine has to be applied to your most expensive ship rather than to whichever ship is your active ship when you join multicrew. Makes it a pain to clear it, and the fine cost doesn't change with the ship anyway.
Still.. I wouldn't worry too much for abuse as long as you don't invite complete strangers over. Even so, it would be something I'd like to try sometime just to see what would happen. Oh well, maybe if I meet my friend online this weekend we can give it a try.
The other malicious types I've run into are fellow session guests that backstab me and shoot down my fighter while I'm shooting a target (and keep doing it), and sorts that attack every wanted ship and hostile wing within their sensor range in an attempt to get them to overwhelm the host (this turns out devastating against the average inexperienced commander that uses a big ship as a crutch instead of as an asset).
Also (I consider this malicious) guys that join a session and sit idle until manually kicked.
I usually let random multicrew fighters go ham, having 2 different fighter bays they can choose between 2 different fighters too. I can't recall if I could let one player use one bay and my NPC assistant use the other... Might be only downside for me if my elite rank NPC can't control one at the same time. (its been long time since I last played)