I don't really see that as a problem. If you're in the inner system, one would want to take the resources trait for character purposes if nothing else. Unless you're playing as a hobo I guess. Someone living in a tiny cubicle with only a bike for transportation is described as level 1 resources. In the outer system, it's not really required, but also not very useful. You can only spend resources on gear in places that actually care about your credits. That all said, I do kinda feel that there needs to be some kind of cooldown similarly to rep. I understand that the trait is an abstraction and means you're wealthy enough to pick these up without massively hurting your funds, but that kind of falls apart if you're purchasing enough arms to fund a small army over the course of a week. It also begs the question of if someone COULD purchase a major item every day no problem, that they only have 26 MP worth of gear at the start of the adventure, especially if they're playing active sentinels and not green recruits that have literally just been recruited.

Where does it mention that limitation? I know acquiring items via rep has a cooldown for each level (including "once per adventure" for major), but I did not see one for using resources. Also, it should be noted that resources is not quite that broken when it comes to rep: The examples given make it clear that if you're bribing someone as part of your strategy, resources can play a bonus. But that's up to the GM whether that's even possible, anarchist habitats may likely not care that you're bribing them with useless credits. As for rep boosting resources, the bit I saw was that many items may not be readily available off a store, so rep or research tests may be necessary to find one for sale in the first place.

Depends on the pace of campaign. In my group it wouldn't fly. Wait for a month and Jove will be a sun with Dyson swarm of TITAN killsats and Mars will have 90% of surface in TQZ