Right now the money limit is just 2.140.000. When you are upgrading ships that limit is too low. Can you increase it to like 5.000.000.
Besides some races make war to all races, I know it is because of races ideological or diplomacy levels, but if races make war to all they can not build up and then is very easy for human players to defeat them.
Tip. Limit the number of races at war that a race can have. I said 2 wars it is enought. So if a races declare a war to another races that have 2 war already block it. May be at the end of the game you can allow all races be in war versus the human player.