While free shps, item costs etc are all valid concerns....I think what the economy is now and will be later remains to be seen.
My concern is the mechanic that a refining cap introduces into your day outside of STO. I don't think forcing players to log in every day to refine their daily dilithium limit so they don't lose a day of progress is a good idea.
Auto refining or cap removal for subscribers is a great incentive, but also it will remove a very punitive restriction on players.
If the current system goes live, taking a break of even a day in STO will put you behind by a day in progression.
I don't have much to say about prices and conversions, those will be discussions that go on for as long as the game is running.
Daily limits however is a bad thing to even start with.