A few hours each day, buying and selling. Its not that hard. Crafting also gets you EXP, which you can turn around to sell as achievement books.
I don't even mine my own stuff, I buy the resources, craft, sell. Rinse and repeat.
Most people are too busy with the wasteland to realize what better options exist. Crafting is clearly OP, but I like it as is, and so does everyone else. If you wanted to be consistent you should remove it since I can get T4 by grinding crafting in no time. If a quest gives you a T4 once a month or so its balanced actual percent could be 3% per quest for that to happen if its a daily quest.
If a quest is long enough, then let them have all the alts they want. If a quest takes 2 hours to finish, then you can at best only use 12 alts a day, but more likely someone will do the quest once a day and then go to sleep. If people are willing to grind like that then let them if you ask me.
Blue suit lockers were always a bad idea, and making an area that's a town a dungeon doesn't seem very appealing.
Though personally, I'd rather only some T4 stuff spawn like PA, not HPA. I'd prefer HPA to never spawn in anything but special encounters. To make it special.