You do not understand the game, YET. The win doesn't come from money or power, but from skill and experience. I have been playing a long time but I never accumulated money. I don't even have 1 billion, let alone billions. I mostly fly small cheap ships because I know how the game works, and how to use small ships effectively.
Yes it's true NPC aim with hitscan weapons is a little too good, especially for low rank bots. But you can avoid rails by flanking or by kiting your opponent. Yes both are possible if you learn how to turn tightly, and learn why, when, and how (NOT) to use the boost button. Ditto for FA off. These skills are a combination of art and science. And remember, Rail ammo runs out and they don't do much damage from max range with 4 pips to shield. They only have 30 ammo.
Of course you can also buy or engineer your way out, and skip flight school. But if you don't know how to fly, or how the game works, then you will probably spend your money and engineer attempts unwisely and in ways that make the game less fun. Whereas if you learn the core game, then you will find ways to spend your time that really open up creative possibilities and make it more enjoyable.