If Frontier make the game financially challenging for players who've been around for several months and know what they're doing, then the majority of players will never get out of the Freewinder because their income will be eaten up by refuelling, rearming, etc. and the dream of owning a C-rated FSD will be always out of reach.And while you're at it, Frontier, increase maintenance costs, refuelling costs and re-painting, etc. - they're ridiculously low. 10 credits to repaint a hull; a few thousand for rearming missiles, etc. Honestly, the pricing of various things in the game are completely unbalanced, and out of touch with what the reality of the situation would probably be!
When I started out shortly after the original release, it took me a few months of play to go from a Sidewinder to an Asp. That's not because earning money was really difficult in 1.1 / 1.2 - it was slower than now, but you could still earn a billion credits in a week if you knew how, and certainly get as far as an Asp in a couple of days - but because I didn't know the optimal ways to earn money. (And as someone who played a lot of FFE and Oolite, I did at least know the basic concepts of the game, how to fly a ship, how to dock, etc. rather than struggling to just go from A to B successfully as a lot of beginners do)
As far as maintenance costs go...
Fuel: you can scoop this for free.
Repairs: you can AFMU and repair limpet these for free (synthesise the limpets)
Restock: you can do this for free with synthesis
High costs for any of them can be bypassed easily ... high costs for repairs/restock can be completely avoided by fitting a decent shield and running away from combat.
Fuel costs are especially difficult to balance - the Sidewinder has a 2t tank, while the Anaconda has a 32t tank. Any per-tonne price that the Anaconda pilot will notice would bankrupt the Sidewinder, while a price that the Sidewinder pilot would notice would be insignificant to the Anaconda. The original 1.0 release had a rule that Anaconda fuel cost several hundred times more per tonne, for no obvious reason - so everyone with a medium or large ship just fit a fuel scoop, and it was abandoned soon after.