Yes, I framed the requests as a joke upon the “no money” idea, with someone greedily making demands from a counselor they don’t need to pay either. But even if they were made politely with formal paperwork, I’m sure they would be quite difficult if not impossible to accomplish. Owning a personal ship would be no different than owning a yacht today you can’t possibly run on your own, as opposed to simply paying for a cruise from time to time. We’re basically saying that’s not a dream you can have unless you’ve decided to move outside the Federation. Even if credits exist for the purpose of expressing an “allowance”, they would not be something you could invest and accumulate towards a personal goal, and I’m sure that counseling (with a counselor) or relocation would be advised if that were an issue.