This was not my experience starting a Career mode game, nor when I began fresh. I tended to be dinged on small pieces of equipment more often than taking a loss.
It was the first game, non-Ironman, and where I spent a *long* time farming CBills and seeking specific Mech parts as salvage . . . where I had no scarcity issues.
Maybe I'm a terrible player, but early on I was grateful the store existed. And in Ironman, anything I lose is gone, no "well shoot restart the mission" because I had a misclick or just had someone snipe a head off with a JagerMech's ACs. (Taurian stool that one.)
Streamers early on have similar issues. So I guess that clinches it as "terrible at the game".
All the same, farming lots of stuff and assembling your endgame team? That's when the store stops mattering. Around . . . Three skull missions