Disclaimer, this is my first wipe so I maybe missed some handholding from earlier ones, but everyone bitching about "I wAnT tO bUy My AmMo FrOm A dEaLeR, nOt ThE fLeA" can stfu. Big whoop if it costs you a couple extra hundred thousand rubles to buy it from a player instead of a trader. Who gives a shit if the global stock is running out fast, that's not unsurprising in the real world in some cases where individuals cannot find good prices on ammo or have to spend an arm and a leg for a bunch of it.
Case and point, get off your sorry ass and do a scav run or two. Admittedly, this is a pretty good one, but I didn't loot any bodies, got into zero confrontations and spent a whole 5 minutes and 45 seconds in the raid…walked away making 475,780 rubles. Half a mill will buy you plenty, especially if you also have a bitcoin to fall back on:
Even without the M995 rounds, I made 350k which can purchase 120 rouns of 7N31, 100 rounds of .45 ACP AP, or 132 rounds of M61…if you can't get a kill in one raid with that amount of ammo, thankfully you might be in just long enough that your scav will come back up. I've walked out of interchange with 1.5m on a scav looking like a chad without firing a bullet. If money is an issue for you in this game, then you're blatantly ignoring the obvious solutions that the devs provide freely.