The entire station account is 75k. If you pool together every department account and the station accounts, you would have 140k. There isn't really any way to justify having such an absurd amount of money stashed away, nor giving anyone access to it. I understand and appreciate the idealism behind Goldman not tending to use it, but still, it's way too much of an advantage to Goldman.
Again, I really can't accept this unless the chip is a) unable to be redeemed on station, and lowered significantly or b) lowered to a much more realistic amount (under 8k credits)