The game is six years old after all. Who would step up as a new player in a six year old game? Only a fool. That said, you will see a whole lot of players with empty banners and a level 14 badge. But they'll play like they just came from algs. So no, don't look for any easy matches. They only exist in bot royale.
Love the idea of banning three stacks from pubs, but good luck getting the dev to go along with that one.
Of course the shop is money hungry. It's a business, not a charity. And if you really want to know how to "win" at Apex Legends it's easy. Just don't spend any money on it. Boom, you win, they lose. It's as easy as that.