This is exactly my situation as well. Just about at 90 days, the first 30-45 I only played prologue. I have lucked into two 3*'s at 64, but I have thirteen under level 30 (three or less covers)! I haven’t even gotten two of the newer 3*'s (Daken or Falcon, who I’ll pick up in S3). It’s near impossible to select PVP to specifically compete in, so I’m mostly counting on random covers -
With random covers and twenty-one three*'s to level, I’ve simply shrugged and determined their current game state to be impossible for new players to level 3* rosters. Like zapzap, my goal is to get my roster size big enough to carry every character, and then I’ll max out the 2*'s and 1*'s and probably be done with the game.
D3, want some money from the newer players? The long-time players might pay for HP to get their 3* rosters covered, but the 2* players don’t need to right now : I can’t even GET the 3* covers to pay for maxing them if I wanted to! Instead, keep making 2*'s, because they’ll have to pay early on to increase roster size. The long-time players either won’t want to or won’t need to make roster space for these, but it is the obvious path to 3* eventually. Folks will realize this, and realize they need the roster space to level whichever one they get the most covers for. (Want more money? Continue to pump the 2*'s primarily in PVE and throw in more 2*/1* tourneys, so even the vets will want to have roster space to accommodate them.)
I started when the 2* covers weren’t flowing like mad, and felt lucky when random drops got my Hawkeye three covers above all my other characters. With twelve 2*'s and hoping for random pulls from tokens, it’s tough to get any one to have enough covers! When the 2*'s became common, it was almost ridiculously easy to get them covered, but I’m still working on getting them all leveled.
That’s my goal, all 2*'s maxed out eventually. Unless, as others have suggested, 3* becomes MUCH more common through tokens or drops: that’s when I would try the late-game thing. The random nature of twenty-one characters needing thirteen different covers makes that 141/141 thing a distant dream, only possibly accomplished by dropping hundreds of dollars. Save that white whale for the 4* rosters. I’m sure your new user base will quickly realize the odds are to far against them with the number of 3* covers needed, versus the incredibly low 3* collection rate.
TL;DR : To many 3* covers, 2* should be the goal of newer players, 3* needs higher/faster drop rate and has to many characters already.