I fall in those categories and to be honest I didn't yet have problems with money in game nor I found myself bored by what I was doing. The moment that I am not enjoying anymore what I am doing, I'll quit. MMOs nowadays are built round time sinks and repetitive tasks (hell, actually always been) and to be honest, that's the way,that's the way I like it ah-a ah-a ah-a
but OP complains are silly to say teh least