Firstly money should never be considered a form of character advancement in any sort of game that has people gaining experience and growing better.
We are going to have contracts correct? Been hearing this around more though I'm not sure how it would be implemented, but assuming it is true and the devs are implementing contracts then the following should apply.
1. You get paid regardless of winning or loosing. After all 'Mercs are paid to fight, there's no clause stating you have to win to get paid, just have to be alive.
2. There will probably be a bonus for winning, and maybe completing secondary objectives.
3. There will hopefully be salvage for the winners, perhaps based off of how many enemy 'Mechs were destroyed.
If these are all true, and I don't think they're to wild to not be, then you will make money regardless of whether you win or loose. If you win you'll make more money and potentially get salvage. However if you take damage then there's going to be repair costs deducted from your bank account. Hopefully the contract values are enough to cover the cost of repairs and ammunition even in defeat as that will make it easier on players and make it less discouraging. Repairs and ammo costs have the advantage of keeping C-bills from becoming to plentiful allowing people to buy whatever they want and wind up getting bored.
If we're earning C-bills then we need something to spend them on!
1. New 'Mechs and 'Mech variants as we unlock them.
2.
'Mechlab modifications
3. Modules
4. Hula Girls and other knicknacks and dodads to customize our 'Mechs.
5. Maybe a grey market where we can buy/sell weapons and equipment even 'Mechs to/from other players
As for real-bills (R-bills) I don't think they should be convertable to C-bills. If you start letting people convert R-bills into C-bills then you rapidly start running into the Pay2Win scenario. R-bills should be used for things like unlocking alternate paint jobs, decals and other cool cosmetics. R-bills should also be used for things like rare 'Mechs that aren't on the normal tech trees. I started a list of possible R-bill items over in
this thread if anyone is interested. R-bills could also be used for things like a "premium" account which would either decrease repair/rearm costs, increase C-bill earnings or experience gain for a few days to months, kind of like buying a subscription.