There is a bit of a difference between how EVE handles RMT (legit) and how Star Citizen is meant to handle purchased ships going forward.

You really aren’t ever meant to permanently lose a ship you pledged for in Star Citizen.

Also SC is still in development hell which is very unfortunate. They’re reworking the flight model yet again and their plans for capital ship combat are a complete mess.

While Im not confident in Star Citizen ever releasing it has sparked a lot of interest in the space sim genre which was absolutely dead prior to the SC kickstarter.

Disclaimer: I have multiple 100mil+ SP characters in EVE and have spent a couple thousand on Star Citizen, which is still much less than Ive spent on EVE.