And all this guys complains that veterans have huge load of money and and new players have hard time to earn money...
Well, you didn't play before january 2011... you would cry like babies...
There is no problem with upkeep and this is not related to money, you just have to learn how to manage equip and gold, and that's why veterans don't have problem, they have experience and already made some mistakes.
First don't buy stuff if you can't upkeep them
Play with crappy gear till you have some money in the bank, let say around 15k/20k (you can make this in 2 or 3 days)
Buy several set of armor from low to high tier, same with weapons.
use low tier gear when on x1, then as your "x" grow up you can use better gear.
If you lose huge amount of money in a round, don't stop playing, in the long term you almost always win gold.