It is most certainly not "unfair" and that is the most odd way of viewing an end-game acquisition.
Do you still have so many things to spend money on? Do you still have game paths to explore? Cuz I don't, and I'm running out of things worth spending money on at the end-game, and so having a new expensive goal to work towards makes that end-game worth playing... and once unlocked, will add a different level of playability for myself and many of the members in my squadron.
If someone is not in a position to be in the designated market this craft was designed for, that someone should not be complaining about those who are, how they got there, or that they would have to follow similar routes to get into the position of being the type of player this craft was designed for, who it's marketed to.
Case in point: There are gaming computers for sale with 3 graphics cards that each cost over a thousand dollars, on top of an HEDT CPU that costs well over a thousand dollars itself... There are $10,000 graphics cards out there.... But there is NO point in complaining in some release thread about such parts or computers that the means to acquire one or be in a position to afford one requires too much repetitive work, too much savings, regardless of the IRL vs Game analogy -- sure, games are designed to be fun, but open world games are only as fun as the player.
I had plenty of fun EVERY SINGLE TIME finding my own prospecting areas, finding that good asteroid field to make many runs to-from until it was too depleted for quick gains, then finding another. I had plenty of fun hunting each individual asteroid with the content I was looking for... was very immersive, at times challenging especially when guns are pointed at you with the directive to drop half your cargo or face oblivion...
It's only ever as much fun as you make it and the game is there to give you many options, but then again, so is GTA:V online... so is Red Dead Redemption 2 Online... so are so many open world online games. It is always great to always have something more to work for, once you get it, once you reach that carrot - you have to find another. It's about the journey, not just about the destination. The South Park "World of Warcraft" episode comes to mind.... the vague difference between 'grinding' and 'playing'.
*edit - P.S. -- I know most of you didn't grow up with the early era of gaming, but I can put it simply that it's great to have a game that isn't 'beat' in a weekend, that isn't 'dead' when "Elite: Dangerous 2" comes out, to have a persistent universe that feels alive and can be immersive, playable for years and years, that has things in it worth buying, worth saving up for over years and years. I don't think anyone wants the Elite: Dangerous to be something where a player can consume the entirety of it's experience in a few months time, in a single years time...