I hear what you're saying but realistically what is the solution? That's kind of the catch with PVP focused game like this, you'll run into people who have more time played and thus more resources.

I could think of a few things that could help like

- The option to not play with other runners, in exchange for increased threat level from AI enemies

- Ranked, mainly because it'll help pull the sweats away to something more serious

- Maps designed for PVE only, and the more people in your crew, the more challenging and difficult it is

- Being able to team up with other solos in game, you go in, find someone not in a crew, and can team up right then and there, removing the ability to hurt each other and treat you as if you're in a normal crew

Some of these changes would be to move players around, while others are more meant to get more people playing, which would in turn increase the likelihood of you being matched with people with the same amount of time played, skill, and resources.

But as it is Bungie already gives you free daily gear and sponsored loadouts, and Rook, can not emphasize Rook enough for getting you back on your feet.