Even new players can make a quick bit of gold. New player appears in TC. Before you do ANYTHING else, go directly east where a couple of NPCs are awaiting escort. Use the red teleporter to take one to wherever they want to go (none will ask for dungeon!). Once "they have arrived", use same teleporter to go to training room and quickly level up first fighting skill to 75 (along with tactics). Go to new player dungeon. Take "Rat Quest". Once finished, you will have picked up a quick bit of gold and Organic Materials. Go back to Town Center and drop organic materials into the Exex box and then type "[exex". Sell organic materials... click on "balance" and take gold from the sell. Escort and NPC to another location again. In less than an hour, (if your skills started decent at first), you've made roughly 5k if not more.
Got a bit of experience under your belt? Leveled a fighting skill or two to 100? Watch General chat for champ spawns. Even relatively new players can get in on these (and not just the "Newbie Champ!). Sure they make take a bit to down, but roughly 30 minutes and you've made more gold than you can actually get back to town. Ah! But you were given a pack llama to start! Hop off that sucker and load it up!
Go back to town... escort NPC.... Rat quest... sell organics... rinse and repeat. First day on shard you can already make a good amount of gold. And let's not forget the amount of leather you can farm to sell either on auction house or to players who don't want to farm leather. This is all while working your skills up to something more.
