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Actually, this is incorrect. All the gear is with you at all times, but you have to create a loadout to use it. You can swap weapons on a loadout, but you can't swap suits in a loadout so new suit = new loadout.
You can do this from any terminal, in a taxi or in your own ship or SRV.
As for the rest, you can either reset your account and start over with what you've learned, or try to dig yourself out of the hole. I'd do the latter as it's even more of a learning experience.
Half an hour of that and your debts will easily be cleared.
you can land there and in contacts you can pay the fine (really not much).
after this you can use all things like before.
FSS/DSS guide
https://cmdrs-toolbox.com/guides/exploration
R2R
https://gamerant.com/elite-dangerous-guide-road-to-riches-get-rich/
exobio scanning
https://cmdrs-toolbox.com/billionaires-boulevard
Talby's exo link...
If its a first discovery to, you get ♥♥♥♥♥♥♥♥♥ more. I spent 2 days out, doing first discoveries, and i have around 1b worth of data atm.
But then again, if you dont want to explore, stick to one minor faction, get high reputation with them, then they giver better pay for missions.
Ever since my early days, I've always recommended data courier missions for simple, easy starting cash. They usually pay around 20-50k, and just require you to fly from one station to another, easy as that. There are similar ground based missions, which ask you to make deliveries to people in person, too!
IMPORTANT: Never take a courier mission that pays more than 80k! They're usually paying much more because the destination is a ridiculous distance from the arrival star, and it'll eat up a good 30 minutes sometimes, time better spent elsewhere. When selecting missions with high payouts, be sure to check the galaxy map in the mission select window to check where exactly they're asking you to deliver. The destination will usually have light seconds (LS), and you'll want anything low. Anything above 10,000LS is probably not a great pick
I'd suggest trying these to start out with. They don't require any special gear or items, and can be done just about anywhere. With your fines, don't worry too much about them. They just deny you access to the stations governed by the people who gave you the fines, so if you leave their general area (usually just a few jumps), you'll find plenty of fresh stations to earn the money you need.
If you can't find the original systems to pay off your fines, and the relatively minor penalties they provide, use a site like Inara to search for Interstellar Factor systems. Here, you can go to the contact panel to pay off any fines, anywhere in the galaxy, but at a % markup overall for the convenience
Auto-dock is a very useful system, especially in the early game, but when you feel comfortable, I recommend trying to fly without it. Docking without a computer is much faster when you get good at it, and it saves a class 1 slot for other, more useful things! There's no rush on that, of course, so take your time to learn the ropes before giving it a shot
Hope this helps at least a little!
https://cmdrs-toolbox.com/billionaires-boulevard
FINES
70,000 CR FINE BY REVOLUTIONARY PARTY OF CHAMUNDA
60,000 CR FINE BY TRADITIONAL CHAMUNDA NATIONALISTS
200,000 CR FINE BY CHAMUNDA CRIMSON TRAVEL EXCHANGE
70,000 CR FINE BY LOAN SHARKS MERCENARY CORPS
I need a drink! 🍺😅