I've currently got around 68m credits but I'm playing the game old-school just like the original was played. No Community Goals, no Power Play. I'm just trading, exploring and bounty hunting via USSes and every now and then popping into a RES to break things up a bit.
It's way too easy to earn credits via Community Goals and Power Play so I don't participate in them.
People are complaining about grinding but that's always been part of the gameplay right from the beginning in 1984. I personally find it fun.
I'm going to look into mining at some point too because I haven't tried that. Back in the day you had to shoot small meteors you used to find randomly appearing when using the Frameshift drive between suns and stations.