My young apprentice, you need money to make power. Sometimes the plan doesn't twerk out but but if you follow step one and have read Sun Tuz: The Art of War, then you will know that even you have a small empire it is the one who founds the first trade monopoly and speaks at the UP that shall be victorious, for no empire can truly become powerful without diplomacy. :3
In other words, money wont buy you love but it will buy power, like techs, ships, friends, planets (although I don't do it because its a bit of a exploit. You just deteriorate its value and the AI will be happy to get rid of it...
) and lastly you can buy more economic improvements! And it boosts morale!$!$!$!
I don't know why more players don't see each credit earned as worth ten its value? Credits are a awesome totally awesome sauce*.
DARCA 