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Money is meant to be quite scarce, and you can't buy everything you want in the game. Hard choices must be made sometimes.
If you're struggling with winning fights, you can play a pacifist and do the optional combats once you get better gear, levels and companions. The vast majority of optional fights don't have a timer, so you can return later when you've found shiny loot and are overpowered.
If that's the case then (IMO) the balance is a bit off. I enjoy playing smart and being rewarded for it, so if I build a character specifically to be the talking head master trader, I expect him to be capable of bartering for cool items he finds around this ship at a reasonable price.
Yes it may diminish the feeling of scarcity... but that's life. If you're good at that, you're rewarded. After all, the setting is that everything is scarce and everyone is scrapping & scrounging to survive. If it wasn't profitable, people wouldn't be doing it. The risk needs to justify the reward... go scrounging to find 5 suits of armour, and you can't even buy a new low-tier armour from the trader with the proceeds? There's something off.
Anyway thanks for the clarification
The biggest source of income is, in fact, selling enemy loot. Enemy gadgets end up selling for absurd amounts, and you'll have plenty to choose from even if you go diplomacy-first.
Low tier crap sells for low amounts, but higher-tier equipment will bring in a lot of money.
On my last run I've overclocked every single implant on a 4-person crew (2000 credits apiece), had plenty of consumables and was decked in the best gear the Ship could provide.