isn't there a difficulty mode that does the same thing as this?
#I Hate Starting Funds
final light
fossil beacon
in the difficulty settings you can just disable crew construction and make building free. i don't think you can disable clouds though
naive cloak
Lowest economic difficulty makes building free
split fog
in the difficulty settings you can just disable crew construction and make build...
also you can change that any time in the game in the escape menu again.
Furthermore you can also start the game in dev mode where you could access the console/cheat yourself money if needed.