The "point" system is still broken
I decided for a career navy man, 50 points for five terms.
I spent 17 points on characteristics, giving him
696995
I purchased rank 5, 10 points
That raised the soc to 10
I then bought him six rolls on the benefit/cash table, at +1 for his capt
I took the rest of the points and bought skills:
Pilot 2; Astro 1; Gun Cbt 1; Comp 1
Off the charts he had Blade-1, leadership-1, and Tatics-1
Then his basic skills are: Vacc-0, zero G-0; Gunnery-0, and Mech-0...
plus background skills: Admin-0; advocate-0; Space science-0; and medic-0
Then he took anagathics, I rolled a 4 for a total of 20,000 credits in return for not aging.
Then I rolled 55 k for cash (minus 20k=35k), and TAS and three sets of 2 shares (total of 6, he can get a loan on a free trader himself)
That is for 5 terms.
Take the same guy, add an extra term (+10 points), and buy two more rolls and add an extra level to pilot (pilot-3). He still doesn't age but his starting cash is now 25,000. However, he now also has: +1 int; and [rolled TAS again, rerolled +2 soc], he now is a Baron.
Same stats, retirement pay, Baron, and some great skills.
The point system makes power characters.