Technically, that system isn't a lease, it's a system which allows you to buy on credit. You're essentially taking out a loan to purchase the ship and then paying it off. If it were a lease, you'd be paying the fee for as long as you had the ship, and you might have a 'security deposit' to pay at the start and a penalty to pay if you lose the ship - after all, if it's a ship that you're leasing, it's not actually your ship.

That being said, I'd be in favor of bringing back the buy-on-credit system.