You are right everything would be way better if they gave it away for free and everyone had it.
It would be - so my Legacy level 38 actually did anything for me. You get everything with incredibly low legacy levels and have to pay insane amounts for it. Now, I do have the creds but ***? 500k for a dummy that you can also practise on on the fleet? 5 Mil for a GTN you can access on NS? 2 mil for a lousy rocket boost? It's like paying 500 dollars for a slice of pizza to not have to walk 5 more minutes to get it for 5, it's just bad design. Actual Legacy Level does nothing for anyone beyond 10 or so, it's all just huge credit sinks without any benefit at all, nothing of that stuff is wotrth even 1/10 of it's price.