Your item level problem can be easily fixed by running the MSQ each day and getting tomestones to buy Ironworks/Shire/Scaven gear and then augmenting it. Even without augmenting it, you will get a high enough item level(minus 1, though you can just augment the ring and buy a non-augmented ring to fix that) to run all of the ARR/Heavensward/SB dungeons after they added the min item level to those dungeons.

As for making gil outside of the market board, the others have it pretty much covered. You aren't going to be making gil hand over fist like you can running old raids in WoW or doing dailies, but the challenge log can give a decent amount. And if you run dungeons at max level as an adventurer in need, you get get some extra cash there as well.