The idea is that IF the GM decides to use this system, he can decide what is done with the money. He can hand out friends and favors that may explain why the PCs are hanging out, travelling the galaxy. He can decide how much they can spend on equipment and how much that equipment costs.
You want a blaster rifle? You know that it is military grade equipment right? That will cost you 1,000 credits and 400 credits for the paperwork!
If the GM choose a new ship for 200,000 credits it will be fine, especially if there are strings attached. If the players get 200,000 credits to buy a ship and upgrade it, it will not be good... That would just let them arm themselves with ridiculous weapons!
If you don't want the players to start out with a ship, give them an ally instead. A level 10 ally that is available 20% of the time, that is worth 80,000 credits. This ally is not likely to come in guns blazing. He will show up every now or then with advise, loaning out some equipment, giving help with connections. Give them access to a small house or an apparent, worth maybe 50,000 credits. A speeder worth 10,000, a droid for 5,000 and 10,000 to buy equipment for all 4 of them. That would leave 5,000 in cash.
You are the GM, so if you grant extra resources to the heroes, you can make up the rules for how much they can spend. You can decide about allies, favors and vehicles and such. The wealth by level is just a recommendation. Use it to make sure the players have the things that the campaign will circle around. Remember that an ally that help the players will expect them to help him as well.
EDIT: Fixed spelling. My phone didn't help much.