It's one of the strange concepts in the game. But it is important to realize that if you are in negative cash flow you are not funding the Excess catagories, Colony Development and Research. If you can get enough cash into these catagories you can gain big bonus for the catagories; generate more ...

No manual way to load them.
If the ship is on automatic and a colonisation is queued, it will usually pick a colony with a fitting population.
However, it grabs every population type from the planet - not just the actuall one that is suitable.


Not true. Set the pop you want on the colony ship ...