Another possible angle to consider might be to disallow a player from being able to receive more c-bills than allowed by the recipient's current rank. Though it puts a damper on some aspects of teamwork, it also would prevent Atlases from being purchased early by multiple individuals giving away c-bills and suiciding.
Lets say 2x the starting money of his rank. That would limit him to start with a shadow cat (if he gets 20 000 as a cadet)
Another way (I din't read the whole thread) to prevent that is by further demotion. Example:
2 players star with 20 000 each and cadet rank.
Player 2 gives all his money to player 1.
Player 1 Gets 20k
Player 2 Suicides within 2.5 min for sending his money.
Player 1 Loses 20 k
Player 2 gets demoted to Sibko with 10 000 starting money
Player 2 tries the same sh1t
the same thing happens , but player 2 gets demoted 2 bondsmen with 5k start.