KanCole's a trading card game with currency system? Wow. Shows what I knew about it. In that case, comparing it to Touhou is almost like comparing Marvel comics to Capcom videogames. ...well, in this case, both Touhou and KanCole are videogames, but they're completely different genres with completely different monetization systems and completely different creator/publisher make-up (one's one guy doing it primarily as a labor of love and the other's a company doing it for the things companies are supposed to do things for. Profit). Heck, from what I'm reading, KanCole is more just one game as opposed to a series (and likely will not come out with new games too often since Trading Card games usually... well, don't. Instead they rely on the game itself being updated, which is yet another major difference from Touhou).
Regarding the fanservice, it is possibly unfortunate implications since you own and construct those ships, isn't it? That's like... owning and constructing fanservicey girls or something, lol. ...with risk of losing them forever after they take "heavy damage" with ruined clothes apparently. :O (which, if anything, makes the unfortunately implication even more fetishistic, IMHO)
As for ZUN, it's clearly not just his artstyle that's keeping him from having fanservice in Touhou. The bloomers that everyone who's had own an upskirt appearance wears being the most blatant indication of that. Not that I mind fanservice (preferably without unfortunate implications) myself. Just saying that there's plenty of evidence that ZUN himself prefers to keep it out of his works (I'm still positive I even saw his own word that it was "unfortunate but can't be helped" regarding ecchi in derivative works, but I still can't re-find the source despite all my searching on the wiki)