The games economy is set up so that you require a crafting or gathering class to support your adventures. Just like in the real world, you have to work hard if you want to play hard.

In one hour of gathering I can make over 10,000 Gil that will supply repairs for days to come given that I'm not dying over and over and over which if that is your problem, change the people you run with, not the entire mechanic of the game.

Should monsters yield more than 1 Gil? Yes. No more than 20-25 Gil is reasonable and even over-rewarding.

Should monsters yield pink or even normal items? No. Monsters in the outside world already drop crafting materials. Dungeon monsters should only drop Gil.

Should monsters drop chests with perhaps rare mats? Maybe, if the drop rate was 0.05%

The game has all you need to sustain yourself. Pick up a crafting or gathering class an your money problems will be a thin of the past.