I have played about 3000 hours, have been triple elite for years, and am not halfway to a FC. If you ignore meta-exploiting it's super obvious what OP means. Or why ED has the reputation of being horrible grindy.
"But if you follow this YouTube guide ad nauseum for only 30 hours you already have a FC!!!*
Yes, that is what is wrong with ED.
So a nice anecdote about your obvious lack of understanding how to make money by simply playing the game.
Players that have played for years and just observing and testing things out, should with some efforts, have made enough credits to buy one of each ship including a Fleet Carrier.
No need to follow any get rich fast schemes.
But being ignorant and lazy, will of course not produce much credits. You need to be observant about what you see in the game, and testing things out. and by playing 3000 hours, you should have had the opportunity to observe and test various things out. Even reading the patch notes gives suggestions and hints on new things that might be worth testing. And I am not saying you have to test everything out.
So lets just do some simple maths.... 3000 hours played. How much credits would you have gathered if the average amount of credit earning per hour would be
1 million -> 3 000 million (3 billions)
5 millions -> 15 000 millions (15 billions)
10 million -> 30 000 millions ( 30 billions)
So owning atleast one of each ship with A-rated modules and the most expensive hull is less than 9 billion credits, it is less, but a nice figure. Add another 6 billion for maxed out Fleet Carrier without a shipyard and we are looking at some 15 billion credits.
So failing to make 5 millions/hour on average is an impressive task to accomplish, as there plenty of options to make credits by just playing the game, and doing missions. Many missions that pays around 5 million credits will most of the time, take less than an hour to complete, and it is not uncommon, that you can combine this with another mission, that you can complete at the same time, double your income without doubling your time. and if you can do 3, 4 or even more mission in one go, then your income will ben even higher.
So without putting to much effort, it is very feasible to make 30-50 million credits per hour, and if you would actually work in this, you should have no problem making over 100 million credits. So spending one hour, earning 100 million credits, would allow you to stare at the sky for 20 hours and still make the magical 5 million per hour on average.
So I do not buy that argument that you cannot afford a fleet carrier after 3000 hours played and that should be the fault of the game, that is a fault of your own making. becuase the game now offers plenty of options to make enough credits, but you will have to look for them, it is not going to throw all those credits at you for "doing nothing".