Playing an untwinked monk isn't bad at all. People exaggerate the challenge, or leveled up back when really nice gear wasn't available practically for free.
Any class can make solid money starting around level 12 or 13 by killing wisps in North Karana and turning the greater lighstones for 10p each. Melee can also bind right there. That should net you a *at least* a thousand plat before level 20 to get the gear basics. You can transition to South Karana until 30 which also can be very profitable, at least another 1k probably more. As a monk you can then start doing HHK guards which is very profitable at 6 plat or more per kill.
As for the monk vs enchanter question. That is just a matter of preference of melee vs casters. Monks can be very active when pulling, but when dpsing it's pretty much just auto attack and kick even when soloing. Enchanters are probably one of, if not the most active class regardless of their role. Pulling, crowd control, charming all require paying close attention to your surrounding, being able to quickly cast spells on a moments notice and just generally being an "always on" type of gameplay.
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