I don't expect anything in the game to be handed to me on a plate. When you put your mind to it, though.
At a rough estimate, obtaining the required credits to purchase and A-Rate a Cutter, based on around 7mil/ hour earning rate in a T9 (In itself an expensive ship to start with - that's Grind #1!): is going to take you around 100 hours of back-and-forth'ing for pure profit. Any other method will take substantially longer.
Add in the time to Duke rank: Assuming that you can grind a couple of hundred RNG charity missions per rank, it's about 6 - 10 hours a rank at a station that spawns them, not forgetting the constant open/ solo switch you'll need to do to get that many. Let's say we meet in the middle at 8 hours. 8*12 = 96
That's 196 hours at best pace, one that will leave you to the trade grind and the mercy of yet more RNG: ascension missions, which may not appear for days at a time. If, like most of us, life commitments take us to a few hours a day at best, that will be over two months, at 3 hours a day, of relentless grinding to be able to use an in-game ship. Even at 6 hours a day, thats still over a month.
I hope I'm not the only one that see's a problem with this "grind for rank then grind for ships" debacle. It's already a huge grind for trading, which is just about palatable. Grind on a grind on a grind? Makes no sense. Now, imagine doing this at a leisurely pace or by slower methods; say, hauling runs of normal cargo. Saying it may take you a year to do at a leisurely pace wouldn't be a stretch.