Generating PP (as in platinum)

[Estu]

I wouldn't worry too much about plat at level 20. You can do fine without any gear. You can also go group in places like Unrest where useful gear will drop for you. Most of the money you'll make early on will be from looting vendor junk off corpses - research components, gems, jewelry. Later on (I mean 50+), as a cleric, you'll be useful in cash camps like fungi king and AE Chardok runs, both of which will get you a lot of money (fungi tunic, once you're lucky enough to see one drop and win a roll on it, is worth over 100k, and AE Chardok runs regularly come up with items worth 5-10k, sometimes more, plus steady gem/jewelry loot). You can also run around resurrecting people and make a pretty penny - people will often pay you 200-300pp for a resurrection in a remote zone; you can make something like 1k an hour if you're efficient at that (probably less on average, though).

But again, I wouldn't worry too much about money early on. All you really need is to afford spells. Don't be shy about looting corpses and you should be alright. Once you hit 46 you can hit up Plane of Hate and get some nice armor there if you're with a guild.