Hi OP, I'm new to the game too, it's been a pretty exciting week

I've worked my bottom off and succesfully managed to trade my way up to a Type 6, should hopefully get an ASP in the next couple of days, well, if i can keep up the pace lol. All it took was a little research, organisation and many many cups of coffee.. Many cups!!
So, why am I willing to undergo the epic grind for a top tier ship? If I'm honest, its pretty much down to the fact that they are always going to be exclusive. The only folks that will have them, will be those who are willing to put in the seriously long hours and hard work to get them. There is no 'pay cash to have' here, it's grind..grind..grind!
We all start the same, have access to the same earning potential, with no quick 'pay to win' button (thats worth the massive price tag right there) It all boils down to how much you want something? How much hard work are you willing to commit to getting it, and how organised and methodical you are. The game rewards those who put in the grind!! That's how it should be, and as you say, in this game you dont actually need the top tier ships to be effective, they are, by design, a luxury item. Now, I can think of a few reasons that could make a player feel that these ships are out of reach..
They may be put off by the scale of the grind, unable to picture the epic journey as nothing more than many little steps. Oh, and resisting the urge to spend/waste credits along the way.
They may simply lack the knowledge or the skill set to organise and undertake said, epic journey.
OR
They may just lack the desire, ambition and motivation that is needed for such a journey.
I'm a massive fan of just getting stuck in and making as many mistakes as i can in the 1st few days of a thing. For me its the best way to learn, and that approach helped keep me smiling when I blow up.. repeatedly! lol. There are also many online resources and guides, alongside this great community that seems eager to help.
So if folks are stuck and struggling with the 1st couple of reasons, fear not, help is out there
However, if the 3rd reason is holding folks back, its all on them, they need too either create the desire, or shortern their reach.