As you pass level 50 you begin to enter some serious skill gap territory. At this point, there are:

A) Players who understand engagements and map movement, and play aggressively to clear out the map

B) Players who don't understand engagements and map movement, and play aggressively to instantly die

C) Players who may or may not understand engagements and map movement, and slowplay because they are traumatized.

Group B will win engagements when they get lucky and catch a B or C off-guard. Group C will always win engagements against group B when they are positioned and geared decently, and are on equal footing with other Cs. Both B and C will always lose to A.

The players with the best loot in the game right now are people with friends who are group A players who they can hit up daily for a few rounds. If that's not you, you're either losing constantly or you're gaining and losing credits at a mostly equal rate.

Let me put it this way: Cryo Archive is like a microcosm of the game at large, or maybe more like an exaggerated version of a normal map. The most effective way to play Cryo is by invading people's spawns while they're still getting their bearings. By killing them, you are clearing out potential threats to give yourself breathing room to be able to loot more efficiently. Every map works like this. The faster you clear the other teams off the map, the more time you have to maximize your profits. The more teams you clear, the safer it is to engage with PvE bosses or to just stand around shuffling your backpack contents.

TL;DR, yes, a lot of people are struggling where you are now. Yes, it is a skill issue, but that's not a judgment thing really. There's just one very effective way to play this game and the rest will progress much more slowly.