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Get one. Put in the work.
Say around mid 20's had almost all group stash unlocked, no worries really on buying things if I needed them and was getting occasional items for other characters if they looked really nice.
I started out went to like first portal and leveled my character to like 6 or so got the starter greens, then did crucible to get my 6 devotion points and pretty much started the game from there. I did depraved sanctuary a half dozen or so times just to get a few pieces I wanted ( pet build) and moved on.
I don't do potions in most games but can understand if you got one with a time limit or limits set to it that were not clearly explained in detail for you to see.
Making money isn't that hard even starting out though depends on your play style you set it to green and above and only take what you need or don't fill bags to sell then yeah going to be a issue.
That's end game content made to help veteran players level up new characters faster, same as using the merits to start elite or ultimate at low level and skip content that you already done many times.
If you don't have the patience to get them then you probably shouldn't play a game where most of the loot progression is RNG.
EDIT: Also at max level making money in this game is quite easy, just farming the rogue-like dungeons, doing high level Shattered Realms, high level Crucible or the easist way farming one shot chest (the ones that you need dynamite to open) will drown you in so much iron that you will need to craft hundreds of gear to lose it.