If you really hate gathering or crafting and want to make big bucks quickly in true capitalist fashion...

Buy treasure maps from MB. If you manage to get some rare furniture, you can sell them for millions easily.

I sold a maple tree for 2.6 mil last month. With Shirogane ward dropping, these things will go up like rockets.

The one catch? You may need a light party at least and that means rolling against at least 3 other people.