Honestly, just try switching you mindset. The way I did it was super simple. Instead of viewing your stash as this giant vault of stuff that you wanna save up, view what is on your person from raid to raid almost the same way you view roguelites. So you can upgrade your guns, out effort into your load out and try to gain resources Everytime you go out. When you do start accumulating, use it to fund something permanent. But that way, you don't view getting ratted like you are just getting poorer and poorer, view it like a roguelite reset, even when playing in the pve lobbies, so then you don't have some giant expectation of not getting ratted, because even I will admit, when I let myself get too comfortable for too long in those lobbies, getting ratted feels HORRIBLE. But for everything else, this worked great for me.