This is just an idea I got given my parties apparent dislike of ship combat (they felt that too many of them were doing nothing, and the more skilled void master and arch militant were taking the spotlight, effectively they chose to not really work together on the combat, instead leaving the specific actions up to those party members).
What if, each character, instead of the party, had their own individual profit factor, and ship (effectively each player rolls on the starting table, and builds their own ship and has their own PF). As PF increases, all party members receive the same increase, and misfortunes cause the same decrease to all of them. I would allow some form of assist acquisition test, where one member could help improve anothers (up to whatever the highest PF is across the party).
The idea is that its not so much that they are that many times richer, but each member effectively has an "allowance" of PF from the overall dynasty.
The increase in ships would allow each party member to be far more involved in ship combat (I would possibly alter the system to allow the same character to pilot, shoot, and one ship action each turn). The key would be the scale of combat would increase dramatically, even at the early ranks.
One thing that would need to be considered how to handle multiple chars on one ship, and ships that may find themselves without a player commanding it.