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Creating a divide for anyone is always a surefire way to cause problems, drama, and to ultimately harm the community overall. Players who do not pay can still have quite a bit to enjoy and the modern day of gaming is absolutely fruitful with all the other sorts of games and experiences you can have without ever having once thrown money at the developers and companies who provide these experiences and these positive experiences help encourage those who are more willing and likely to throw money to spend on something people seem to be enjoying.
And I suppose in hindsight as well if we really have to go in that direction - it would be a very awkward transition for Sega who spearheaded Phantasy Star Online 2 as one of the very first and "limitless" free-to-play games (especially back during a period where every free-to-play game had such strong restrictions and limitations on what players could do) to suddenly backpedal and undo something Sega were effectively pioneers of.
The best would be to do it with other players in a static group with the same goals to complete stuff fast, smoothly and at least to have fun with them meanwhile.
Oh, and there are also those gold items you get on the ground in Aelio and retem that sell for some pocket change.
Not impossible, but do expect it to take time if you rely solely on the Daily/Weekly N-Meseta sources. Other players would try to farm for very rare cosmetics from content players don't play often, capsules from rarer-than-normal content (as in content players don't actively play), and jump into selling cosmetics they flipped or bought from the AC Scratches/AC Shops.
If you are early enough in the game and really want to save your N-Meseta, I do recommend you stick to the Renaissa weapons or their replacements (the Hextra Series of weapons) because these weapons are very budget-friendly alternatives to every other series of weapons (upgrade costs are non-existent and the only real cost is Limit Breaking them). These weapons and units are good enough that you will never need to upgrade until you reach the current end-game (which is about Level 70) and by then your only real "upgrade" are the current final weapons. If you are too far past that, you can make a new character just to pick up those weapons and units and donate them to your main character so save on costs for the majority of the game.
I'm lvl 70 with kouk-something weapons. Should I upgrade to the neos stuff or wait for the new weapons?
In short for cosmetics:
In regards to your gear, I would recommend sticking to what you have or go with something "cheap" if you aren't wanting to spend too much N-Meseta and resources trying to upgrade something else. I imagine our equipment will still be good for some time yet when the new equipment comes around - but I wouldn't personally put bets on trying to rush to build Neos Astraean weapons at the last minute just to see it get tossed out by the next-best thing.
The reason free-to-play exists is because traditional business models for online games were failing hard, due to player dropout/competition/crowded markets. Free-to-play is exactly why there are so many online games today. They would never be sustainable if they had a subscription model, and the hard separation model actually drives people away, which is why smaller studios that don't understand that free players are the supporting foundation of their game tend to drive free players away and then fail to gain marketshare, eventually dying out.
PSO2 already has some pretty harsh segmentation, and is failing for it. It's why new game brands in this space are even around. If SEGA hadn't run their playerbase off, leaving PSO2 as a slowly bleeding-out game with no future for so many years, nobody would care about Genshin Impact or whatever other f2p games are around these days.
It's also why the most successful long-term f2p games don't have any real pay2win aspects to them, and just sell skins or cosmetics; being able to show off how good you look in a game with millions of players is a lot better than showing off how you can cheat in a game with hundreds.
Genshin Impact and Honkai Star Rail is spending money to have the little % chance to play the character that you want in a Breath of the Wild style progression. Both games are now the top earners in the multiplatform ARPG.
Star Citizen has the most earning of 1/2 Billion $, and the game hasnt even launched.
PSO2 GLOBAL population has been at been above and below 5000 in steam even before NGS.
Look if you want money, Star Citizen has already shown you dont even need to launch a game. Just a dream is enough for people to spend.
PSO2 did that at one point, a long time ago, and then stopped, and just coasted on gacha diehards.