That said, you money really isn't as good as gone. You can easily sell any ships your have purchased as they all can be transferred at least 1 time I believe (well everything that originally cost less than $1k I believe as there are tax code implications). You can sell your account as well with all your stuff as well. Plenty of people on ebay or other sites have setup sales forums (starcitizenbase I believe has a pretty big one). If you were an original or veteran backer with LTI ships, you can usually get 10-20% more than what you bought them for, and if you have a scythe, well, probably 3-5x what you bought it for.
If you want out, there are plenty of people out there who would "buy you out" and you recoup your investment.