Making money takes planning and skill. A good way to make money to Beastmen/Kindred Seal orb/ENM BCs. This is limited the amount of seals you have, and it encourages players to level multiple jobs, skill up and helping other players out as a way to farm seals (you get a chance of seal drop if you/your party killed anything that worth experience points). ENM can be done every few days, but the money tends to be less, but you also get some experience points too.
Farming is good too. A lot of people like killing Gobbues for Tree Cuttings, but there are like Beehive Chips, Slime Oils etc. Farming NMs will take luck and patience. Fishing also good too, but to get the skill to fish most profitable fish takes time.
Crafting... Most crafting is not profting until 50+ unless you get own materials, crystals, and then do some basic research to the game economy. Post 50, you get the ability to HQ basic recipies, and a lot of skill up recipies also become profitable. The intial investment will vary greatly with craft, and it is good to say the craft requires most intial investment tends to be more profitable in high levels (darn you rich Clothcrafters and Goldsmithers).
A lot of ways alleged "gil sellers" make their money is the same as regular player make their money (may be not in doing ENMs/orb BCNMs).
As long you have reasonable gear, you should not worry to be gimped. You do not need all HQ stuff. A good player knows how to preform at 100% with reasonable gear -- and umber stuff only makes them better. Having umber stuff and unskillful do not make you good. I know players that are better than me has gear that are not as good as me. And I also know player with full HQ gear, but his/her skill is crap. There is good chance that people who show off their umber gear and tell people are noobs for not having their umber gear are the bad players; they use their gear to cover up their bad skills.
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Amanada (Cerberus-Retired) (aka MaiNoKen/Steven)
-- Thank you for the fun times in Vana'diel
Art for the sake of art itself is an idle sentence.
Art for the sake of truth, for the sake of what is
beautiful and good — that is the creed I seek.
- George Sand
A designer knows he has achieved perfection,
not when there is nothing left to add,
but when there is nothing left to take away.
- Antoine de Saint-Exupéry