To start a new player will burn though medi gel, Ops packs and rockets while they are learning the game. Recruit only gives 1 med/rocket/pack.
Vet pack can give up to 3 but only if you get lucky. I've gotten 3 ammo packs and 3 op packs but not the 3 medi gel or rockets I needed. Thus going into a match with only 1 medi gel and no rocket. Puts new players at a big disadvantage.
A brand new player even playing silver waves only. Not even bronze would struggle to gain money points to buy 1 Vet pack per fight. Which again does not give you 100% on the items you will need like medi gels and such. Which you will burn though.
You lack the weapons, mods and gear bonuses to help you doing your learning period.
Unless you know exactly 100% what you are doing. Something that takes time to learn every fight every pack opened is a loss for you. As what you spend is never the same amount as what you earn when it comes to medi gels and such.
I quit my initial playing of the MP because I always seemed to be running out of items I needed. And until you can do Gold Waves you can never gain a decent money set up to effectively buy packs to gain better items, mods and gear without losing in some way with gels, rockets or op packs.
I specifically decided to play my fiance's MP game. Starting it from scratch because I know what a pain it is. I consider myself decently skilled. But I struggled on silver. Found that extremely poor money gain per fight. So I using a fairly well evolved Human adept went to gold. Something I could do because I normally play on gold difficulty on my account. And boy was it an up hill fight. Only level 1 bonus gear with level 1 structural economics for increased shield regen speed. Only 2 rockets, medi gels, ops, ammo to use.
A new player would be wrecked in that set up.
A currency system isn't a bad thing. A weapon level up system isn't a bad thing. A weapon/mod unlock system isn't a bad thing. A constant use of consumable items isn't a bad thing.
But they way it is set up is a kick in the teeth to new players. Only once you have gained certain items or skills does it even out more. It would be one thing if it played exactly like single player. But it doesn't. Even doing an insanity play through of the entire trilogy doesn't really prepare you for the MP. As I did that and would still regularly get my but kicked on silver and absolutely wrecked on gold for a while.