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In my opinion, SE5 should stay far away from "dollars" or "credits" and stick to resources. There is not much need to add another level of complication when everything can be accomplished using resources. Emergency Build sort of covers this, by pumping more resources into the build queue per turn. Similar methods can simulate buying ships quickly and such remarkably well.
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I don't see any need for money. We play Space Empires NOT Space Accountants. The aim is for your empire to work towards supremacy. An empires economomic strength is easily represented by its production and resources. Narratively speaking your empire may have money for citizens to buy stuff, but surely a State run economy does not pay for things. Ships and units deemed necessary for the State are built when needed using reources supplied by State run resource suppliers. To help allies you supply vessels or give them resources. After all if you support an ally you can't just give them your own currency which differs from there's, you supply a resource of equal value. Any citizen who dares to demand payment from the government instead of fullfilling his patriotic duty should be shot
Edit: I agree with having ships built gradually. A ship being built is little different from one being repaired. It is realistic in having half completed hulls in dock, and would be interesting to have half completed ships used as a Last resort if the space yard is attacked. Although perhaps until a vessel is commisioned it will be unable to act.