People calling this a great thread because they see lots of numbers? The OP's premise doesn't match the data, quite the opposite actually. This list very much proves the critic's core point: players have to go out of their way completing mind-numbing SP modes over and over again for a finite amount of FM that amounts to about one season of DLC characters. It is known. The issue is what you can gain past that - for regular MP play - which, as the OP themselves states multiple times, is very very little.
If this is an issue you can pay for the DLC. It's an option with SFV whereas it's mandatory for every other fighting game I can think of. No one is forcing anyone to earn FM.
And it's really not much of a grind, certainly not more grindy than unlocking characters in other games. I believe it took longer to unlock characters in vanilla SF4 and I remember it taking longer to grind enough to get Raven in Xrd.
Gaining enough FM is pitifully easy if you don't want everything in the game for free. You can buy SFV now for $18 and reasonably get every DLC character, including future ones, for free.
The only merit in your argument I see is that some of the singleplayer stuff is mind numbingly boring, which is true. I'd much rather prefer daily login bonuses, first match won bonuses, and in-match challenges a la 3SO, DSR, or MKX than playing the singleplayer stuff. But the easiest FM is tied to singleplayer, unfortunately, which is boring. But that isn't a knock against the FM model nor does it make it impossible to earn FM. Your actual complaint is that the singleplayer content isn't fun. These are two different things.
The content of the OP reinforces why I won't buy this game until I can make a single purchase and get all the content available. The content of the OP sounds like the opposite of fun to me. I just want to buy the game, turn it on, and have access to all the characters.
You can do that but you'll need to wait until 2021.