and you can scale this by getting more ships.
You are limited by 30 fleet slots, of which 3-4 always end up for logistics ships. Not saying extra ships to pilot don't help, but it's a different character build, as we've said, if you decide not to go combat.
quite easy to farm "money"
Uh, yeah, i guess if you are good at combat and kills stuff and get the loot you do deserve to get the money, but not like defeating enemies on its own makes for a good inflow of cash or time investment.
all ships instantly become disposable, ever capitals, as you can recover any losses
Ships are disposable, colony or not. It may not always be profitable to throw ships into the grinder, but sometimes you do have to fight superior numbers/quality of ships. And you can argue that once you reach the point where you can produce money without too much effort and have a stable supply of ships you already mostly 'won' the game, and it doesn't have any other challenge to throw your way. At that point you just throw twenty Paragons in a fleet and just GG throw out 5 Paragons for each fight and cycle them out to recover CR and can reasonably handle most encounters in the game.
75% of skills are trash and rest are must have.
Combat skills (including Gunnery Implants and Fighter Wing skills) exist because the game at its core is an arcade top-down shooter piloting a single ship at a time and most of the time you spend in the game /is/ spent in combat. Those are about 55% of the availible skills. 35% are campaign-map things that help your fleet as a whole, and 10% deal with colonies or things that don't affect your fleet. Saying 75% of those are crap is disingenuous.