Raff_Ernst
Edit: aye loaned character level is not determined by Era characters ^^
You don't seem to be wrong. My Zeb was level 43 before reset, and all my loaned units are now 41. My droid is lvl 46.
If this is the case, it's another factor that is designed to slow down those who do not spend money or a minimal amount, as your loaned units wil not increase in level at all for 24 hours. Those who don't spend money will thus always be scraping by tiers, since the loaned units you get do not synergize with any leader that you have.
You can't use MM to the fullest since you don't have a full team of Rebel Fighters. General Syndulla only works with Spectre units. Then you have scoundrel, BH and Empire units.
I am not a conspiracy theorist but I also noted in the last 48 hours of the droid units Era, we have a TW and the Episode quest you got at the time was putting down 90 banners on defense, so you couldn't progress the quest for 24 hours during the sign up phase, then the next quest you got was attacking thrice in TW but then you had the setup phase end then the droid challange ended :)