Cloaking devices should be able to be used by all people... but they should be quite expensive. Not the 100/1000's of millions of credits though...:(
Expensive enough that you have to play quite a bit into the game (ie have a good trade route going) to get access.
Only administrators should be able to cloak completely (ie the ship disappears off everything), everyone else should cloak slightly (ie there's a slight outline/distortion where the ship is). Also, it shouldn't be able to be used in combat or directly after combat until your energy reserves have recharged to maximum, therefore meaning it should use up all or most of your ship's energy, more required for bigger ships.