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If you don't want mods, there's the vault at the bank in New York (dont forget to pull the server out as well), the safe in Rico Delgato's office in Santa Fortuna, and the safe at the back of the meeting room in Mendoza.
If you do want mods, on nexus there's Hidden Merces[www.nexusmods.com] and Rogueless Freelancer[www.nexusmods.com]
1st mod replaces various things with merces (has options), and the 2nd mod has an option to guarantee winning by playing the stock market at the laptop in the vault in the safehouse. Vault requires 16 mastery.
There's also a couple more mods that affect the stock market, I know one makes you always lose, and the other changes how rigged it is. I haven't tried either of them.
2. If you already have everything then you would realize 90k is practically nothing, you'll have made and lost millions by the time you get anywhere near finishing all the challenges and unlocks.
Maybe just making it so you have to sneak into the IT room and knock out the IT guys to turn off the security panel to the vault (which does nothing on freelancer right now, this can turn off lasers on Freelancer instead, or let the keycard reader to turn off lasers spawn when turning the security system off)
Yea, you just crouch under most of them and time your crossing the lower ones as they turn off, it's pretty simple and just takes an extra second of paying attention to the timing