And again- not every Zeta is essential, zetas aren't required to be on characters as soon as they are unlocked.
And again as a mostly f2p player the rate is absolutely fine in putting zetas onto characters as they become fully usable.
For example- the new Bad Batch team, its taken me roughly 3 months to 7* them and get them to R5 and they have 8 zetas, so by your f2p cadence thats quite comfortable. Also you forget that most get a zeta mat a day from fleet arena, or lets say 0.9 mats a day- that changes your calculations to nearly 70-90 mats a month (I typically get a zeta a week) and at that rate I've got all GLATs 6 zetas too in that 3 month period.
This is also not to mention zetas given to us in monthly events like the Nightsisters and Ewok ones (and no doubt some I forget)- still what's the difference in missing those out and the close to 30 zeta mats from Fleet Currency when you want monthly "income" to fit your point...in fact you miss out a LOT:
Fleet Arena Tokens (27 Mats)
Fleet Challenge (24)
Endor Esculation (2)
Night Sisters event (2)
TW 4x, 50% win (10)
Conquest, hard (5)
Calendars (2)
Assault Battles (12)
GAC (5)
Total (87 mats, 21.75 per week or 1.09 Zetas per week).
TLDR: Each new character does NOT average 2-3 zetas (its more like 1.5). The new schedule is an average of 3.5 zetas per month, the average player earns 4.35 zetas per month.
This comfortably keeps up with new characters with some to spare if zeta farming is in line with bringing a 5 person team up to 7* relic levels (3 months, 13.05 zetas earned, 10 required for new characters, 3 spare for other projects.