I mean, how much gil have you made? And have you actually started on Dec 2021 as indicated by your forum date?
If so, multiply whatever you've earned so far by 20, because that's about how long some players have been in- at the rate you're making money they'd have 20ish times what you do.
The game throws money at you, constantly. You thinking people are resorting to shady means just tells me that you haven't bothered to do your homework.
When I see this kind of post, I see either "I wanna get rich now!". That doesn't happen usually. I'll lay it out for you.
- Do latest content and sell drops; Newest minions/treasure map/music stuff is usually good.
- Market board, buy low sell high. Just like real world stocks, you have to find your own niches to make money and most don't share because they just create competition for themselves.
- Do not underestimate daily/weekly content. It adds up.
- Each retainer, at cap, will give you tons of thousands of gil DAILY in allagan coins, and drops you can pawn for a little more. Do the max level 18 hour venture. Or try the shorter ones for a chance at something (rarely worth it if your target is gil).
- Doma will give you a pure profit of 20,000 weekly. (trade 20,000 in allagan coins, get 40,000 gil)
- Weekly challenge log
- Obviously do crafting. It's not a huge money maker in of itself, but there will be certain items you find that sell for double/triple the crafting materials.
- Don't buy gear from the marketboard, ever, unless you absolutely need it to get an iLVL or for glamour. Unless you're doing endgame and need absolute BiS, there are better ways of getting gear that are free.
- Always use up your leves. It's easy to level up DoL/DoH using them, and frankly some give you way too much gil (like coffee biscuits, unless its been nerfed).
- Weekly beast tribe trade ins also give lots of XP and easy currency which translates to gil.
- Weekly Delivery quests; same idea.
As in life, if you don't want to put in any effort, how can you expect to make any money?