You aren't being penalized. There is absolutely nothing keeping you from "Hardcore Armor" other than the time YOU are willing to commit. The content is there, you just don't have the drive to do what needs to be done to reach it. Unlike Combat Endgame, Crafting Endgame can be reached entirely on your own, without the need for assistance from any other players. I have never, not ONCE, had an Endgame Raid weapon when it was still relevant to the content. This isn't because I didn't have the ability to, or the time to commit to it, or the resources to afford food and pots, but because I've never had the drive to find a static or put in the work necessary to keep that static together and consistent. I’m a Casual when it comes to Combat, and I have no problem waiting for new gear or Relic weapon before I seriously try Alexander Savage.
To put it bluntly, how badly do you want it? Regardless of whether it feels like a chore, or takes a while, or you don't have any Gatherers leveled, you HAVE the ability to craft any 2-Star item you want for a fraction of the market cost, even if you only farm the Favor mats. Yes, this requires leveling Gathering which I can understand if you abhor it (I know I do), but this leads to the second question:
Are you willing to put in the work it takes to Craft it? It feels like a massive undertaking, but a single 2-Star item can be completed surprisingly quickly. Assuming you can Gather both MIN and BTN Favor items, a 2-Star MH requires 4 2-Star mats, which need 40 BTN and 40 MIN Favor items total. Assuming an average of 4 items per Favor, you can gather all 80 Favor items in about 2 hours. In 2 hours you can cover 90% of the cost to Craft the MH, the second best upgrade possible for your Crafting class.
Why is waiting a bad thing? As PROBOUND stated there is already an alternative available in the i180 Red Scrip turn-in MH that can be obtained with very little effort and time (If we only consider the time spent capping Red Scrips). Believe me when I say if you want to Craft 1-Star food (Or even 2-Stars) having an i170 MH is FAR from necessary. If you absolutely must have the i170 MH then 3.1 is coming out with a away to obtain Red Scrip materials through Combat rather than Gathering.
Tl;dr, There’s nothing wrong with waiting for it to get easier. If you want the best of the best ASAP you're going to have to put in the work. If you don't want to, that means YOU are the primary reason you can't reach Endgame.