Well for pure people it's hard to make money, especially in the beginning. I own all houses/shops/stalls (Most, anyways) and I set them most of them to 0% and the major shops (Inns and weapon shops) to +20%. I still only make about 10k every five minutes. I think people just want a huge amount of money, it makes their cyber

a little bigger. Plus, people don't just want to GIVE OUT their hard-earned weapons, they want at least a little compensation, even if it is worthless.
Oh, on the other hand, those Hero Dolls have actually created a little bit of an economy. When people realized that 100k was nothing, they jacked the price up on the hero dolls, which means that doll buyers need to get more money. That's just a theory though....
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EDIT
Oh crap, I thought this was aimed more towards the "post-completion" crowd. At the beginning of the game, it is very hard to make money. Well, more like average in terms of RPGs. You have to save up for stuff and such.