critical I just lost 20 million credits due to server crash???

no refunds

Happens to all of us at some stage. I myself have lost more than that before from things beyond my control.

We just rebuild what we have lost.

But 20 million is not a big loss, I have made over 400 million in about 3 hours playing time

Just talk with any of the clans on the server and they will help to guide you on how to make the credits fast, also advice on ships and loadouts to get the best you can get with the credits you have available.

They might even help you out with getting another ship, you never know

It does sometimes have times when we have a few crashes, but will settle down again soon

I have had times when I couldn't connect at all, later found out that most others could. Mostly my issue cause of living so far away from server

crashes only happen when people use wrong installations of the mod... unfortunately this can result in server crashes (not only client crashes) ... which is why the anticheat bans such people automatically after detecting such problems.