Yeah, there's no definitive ending to Animal Crossing. It's the most boring game you'll play for 700 days in a row, because if you won't take care of that town full of little cartoon animals, who will?
I found an easy enough way to earn Energy Credits in STO. Right now, they have an 8th anniversary event running. Q has told people to go all over the galaxy to collect Omega particles, which can be combined to eventually make upgrades. You can sell them on the Exchange for around 10k per, and since they're EVERYWHERE, you can make a nice profit. I thought no one would be willing to buy them on the exchange, but I forgot that most MMO players have more in game currency than they have time and patience. I'm at 400k EC, and the ship I want costs 3.5 mil, shouldn't be too hard to get, especially if I just go places to farm the particles when I want to not really pay attention.