Ya, I mean, there's lotsa ways to do it... U could have only the big ships, say DN and up using the pooled pp... and they'd be expensive... and we could adjust those costs for inflation. The shipyards would be unaffected save for the prohibitive prices of DN's so individual accounts wouldnt be able to get them.
Edit: I mean here's another way to think about it. A nutter seldom gets to use all his money. They busy flying frigs and CL's flipping hexes amassing wads of pp. What if there was a 'Bank' they could deposit their money into? Then, anyone from their side could use that money benifitting casual players so they can afford ships their limited playing time seldom allowed them to purchase. In addition they dont need to sweat it so much losing in PvP and may give it a go if they knew it wouldnt kill their bank account. I like it.
Edit 2: In fact, I think Bonk already worked it up to where players could donate some of theoir money to a specific player. WOuldnt take too much I dont think to add the 'Bank' and allow players to borrow from it for purchasing a ship. Instead of taking out cash from the bank once players deposit their money, instead, the pp is deducted from the bank whenever a player from that side buys a ship.