That's not the point here in the game. When you want to build a first rate you need a huge of doubloons ( 12k and more) for that. So how want you achieve that. that's nearly impossible, even for hardcore player and clans when you must build for instance 10 first rate for a port battle.
Wait when the people realize that! That is the final nail in the coffin of this game. New player will quit this game in a short time, when they see that.
And when you plan to buy doubloons via DLC then the rest of players will quit.