It's a bit hard to diagnose without seeing what the "wear" looks like Dafydd

But I'd hazzard a guess that the "unbalanced" wheel isn't the culprit

An unbalanced wheel is more likely to show an odd wear pattern on the tyre

Check that the wheel is in correctly and not missing any spacers or shims

But I'm afraid whatever the "cause" of your disc wear, you'll have to replace it & the pads once you've found out what it is

But you should be able to find a serviceable disc from a breaker, either in person, or on ebay at a sensible price

Pads are not very expensive these days unless you "want" to spend a fortune

As you said in your other post that you don't ride hard, you wont need "racing" quality pads which tend to be more expensive

No point replacing them yet as they will probably only suffer the same fate

Firstly get the wheel balanced

Most tyre fitting places will balance a "loose" wheel for a fiver while you wait

If you cant see anything "obviously" wrong with the way the wheel is fitted when you come to take it out for balancing then fit another disc & new pads & "monitor" the wear

It could be that the disc is getting through it's hard skin and is now into the softer part of the disc

Is it close to, or past, it's "wear limit"

You can find out what the "minimum" thickness is from a Haynes

(or other workshop manual )
Post some pictures of the wheel/disc in your profile then we can have a look and might be able to help you further

Which bike is it happening to