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Play all single player modes (story/survival/challenges) up to normal difficulty with all characters + weekly challenges instead.
It's not difficult to earn 600.000 FM, everything above requires regular playing, at least 3 times a week if you want to go the fight money only route. At some point after ~1.000.000++ FM you will probably consider buying a character season pass (if you don't want to "grind" hard/extreme survival).
https://www.youtube.com/watch?v=S94iC2pIvHw
That returns a lot of fight money.
And don't forget those figures are extremely generous. I'd be surprised if you didn't get a character sooner. And they don't include whatever you accumulate from weeklies and leveling up online.
Story mode
Character stories
Survival easy and normal with every character
That should give you enough to unlock a couple of characters. If you did all the above and still have characters you want locked. Then buy them, don't even think about "grinding" for them.
They give around 6000 per week on weekly challenge, you'll need around 4 months completing every weekly challenge just to get enough for 1 character. Feels too much like work for something that's supposed to entertain you, not worth it, but that's just me.
Calculation for all 16 base game characters (generous calculation):
16x 6,5 min = 104 min / 60 = ~1,73 hours total
~3-4 hours x 2 difficulty settings = ~6-8 hours total
1. Easy: 10 rounds x 40 sec x 16 characters = ~1,78 hours
2. Normal: 30 rounds x 50 sec x 16 characters = ~6,67 hours (no real challenge until round 25/28)
3. Hard: 50 rounds x 50 sec x 16 characters = 11,11 hours (minimum / unlikely not to fail here and there)
4. Extreme: 100 rounds x50 sec x 16 characters = 20,33 hours (minimum / you will fail / replay a lot)
So in total you can unlock the easiest portion of the fightmoney in ~20 hours, if you are efficient and don't fail in normal survival at all, else add 10-20 hours for 2-4 fails in normal survival with each character. Don't bother with hard/extreme survival, unless you want to cheese through these tedious 50/100 rounds, by exploiting the AI input readings.
DLC 2016+2017 characters times are not included above.
Each character levelup and each unlocked DLC character gives access to more fightmoney.
Here is a fight money overview which Punymeyer posted some time ago, it is a little outdated but still pretty accurate:
https://www.gamefaqs.com/boards/895976-street-fighter-v/73944270
More like 30k of easy FM. The other 30 k is if you beat hard and extreme survival.