In my opinion everyone should be or start using a Ferengi character which has the 'Lobes' trait which provides a 20% discount in all store prices for items sold for energy credits or gold-pressed latinum.

That character can then use the account bank and handle all the purchases and transferral of goods.

This is what I do and in the long run it'll save us all a fortune.

P.S. We can use the EC in the fleet bank for important starbase upgrades like this I'm sure.