So you basically have to choose one of these play routes in order to make tons of money:
1. Do life skills of any sort (cooking, gathering, trading etc...) for thousands of hours
2. Grind mobs 24/7 non stop, and then rest in the hospital for months afterwards
3. Make yourself incredibly knowledgeable of the market and make profit off it
4. Burn your hardworking money if your wife/husband doesn't complain
5. Prepare a bucket and do PEN roulettes, so that you don't flood your device with tears

These methods will either cure your depression or you'll just quit gaming for good during the progress...