New build.
Changes:
1. Crew wages for Elites / Veterans have been halved.
2. If you run out of money to pay your crew, you cannot go lower than zero credits.
3. If you run out of money to pay your crew, they will abandon your cause.
That pretty much finishes out the wage system; people cannot go < 0 on credits, so they can't effectively lose the game.
However, if you get too many high-end crew, you're going to start having serious problems meeting payroll, your crew will abandon you, you won't have enough crew, etc., etc.
The only issue with this is the game's auto-promotion system;it means that if you want a high-level fleet and fight battles daily, you're going to need to swap crew a lot... or get Making Do asap, since that's one way to avoid pricing your fleets out of reach. Another option I may explore is giving players a skill tree that deliberately lowers the rate at which crew gets promoted, or even set that to zero and make buying high-level crew the only way to get them.
Haven't nerfed the ion-cannon type weapons yet.