If after five years you dont come close, it is fair to say the 'play as you want' approach does not realistically allow many to purchase a carrier in any remotely decent window time. I literally have to measure in
decades. This is Star Citizen levels of stupid time windows.

Which is why everyone in this topic falls in two camps:
1) Lol so easy dudes just grind mining.
2) I dont have the money.
The whole 'take your time, play your way, no need to want it now' rhetoric is simply false. You grind or you wont have it. Period. Mind you, I am not saying the carriers must be made cheaper. But either they do that, or they add new and exciting ways to get mine-grinding levels of credits, or many simply won't have it.
And lets not kid ourselves: to many grind lords others not having it is a
bonus, if not the most important aspect. People in online games often grind not because the high-end thingy is so enticing in and of itself, but because it will be finally something that they have and others not. Without others grinding is not nearly as enticing. Without people to show off your virtual e-peen, nobody grinds for hundreds of hours. Which is why single player games tend to rely on fun, and grind is almost exclusively the crutch of designers making primarily online games. You suffer through bland gameplay to become a Special Person for once. That, to me, is asinine game design for asinine people.