Veejur, people are not giving you a lot of sympathy because a) there are plenty of places you can farm a decent amount of plat even at a low level, i.e. the Nybright Sisters probably drop 50-60p/hour in bronze weapons and b) mid level gear is in fact extremely cheap: a 20/28 Wu's staff is like 100p!
Your problem is a combination of insecurity and pixel jealousy vis-a-vis the twinked monks you see running around with a fungi/cof/tstaff etc. Which is in fact a perfectly reasonable and human reaction.
Anyway, all you have to do is go to one of the many decent cash camps until you have some of the cheaper gear, then level up to 46, join a guild, and pick up the fantastic planes gear at no charge, including a 21% haste belt. Your guild can also help you with one of the easiest epics which if you are proactive and a fun guy you should get by 55 at the latest.
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