But there are plenty of ways to gain gold which don't involve gaining combat experience at all. You'll just be subjecting yourself to a different kind of grinding. Crafting, gathering herbs or whatever to sell it, ninjalooting... some of it you can even do while grouped up and RPing. Not all activities can be provided with the same homogenised rewards so that everyone gains as much.
I have traditionally avoided all of these, either for the preservation of my own sanity (opportunistic gathering is as far as I'll go with herbs, and crafting is a pain in the ass that will sooner "reward" me with CTS than any meaningful profits), or on practical grounds (putting aside the fact that many of my characters can't ninjaloot if they wanted to, rampant ninjalooting is one of the greatest contributors to inflation on this server).
Besides that, there is a viable balancing act. Save money instead of spending it, and do not go into dungeons if you have any XP reduction at all. This is a real option for any class, even if you don't make much, you will eventually have plenty if you don't throw it away. And if you are extra patient, wait until strong desire I suppose, then it's impossible to fall into blind drive without doing 2 or 3 at-level dungeons in one day.
So your balancing act is "spend months as a pauper, so you'll be able to get XP for being carried through a dungeon by your richer, better-geared friends". That's... a comforting thought. (Not that I'm intrinsically opposed to the notion of being dead weight, as evidenced by Myrda... but Myrda is quite a unique case.)
The cap is restrictive if what you like to do is log on, find a group, and adventure. This is a viewpoint I support. I completely believe the claims that people are feeling disincentivised to go dungeoning with friends because they're at cap. I wouldn't dungeon at cap either.
That mindset could easily shatter parties. People have already provided examples exactly corresponding to the cap-induced group decoherence I'm mentioning, so I won't rehash that argument.
I see the problem, but I don't think it lies in not being able to make "enough" gold or avoid the cap.
It lies in it being a zero-sum game between doing one or the other.
And, not to dismiss what you are saying, but PvP is its own can of worms.
People usually say "not to [do X bad thing]" right before they go do it anyway, as if it changes what they're doing.
1. Avoiding money making schemes but having a problem with playing "paupers" is your own choice, not an argument against the capacity for a character to earn gold. This pauper thing is your own construction. There are many ways to make money. Some are more tedious than others. But given this is an RP server, if you don't want to make money yourself, you can find others to do it for you. People will throw it at you if you simply humour them. Plenty of players have too much money and are eager to fund the endeavours of others.
2. Most of my characters haven't been big spenders even into the high levels. I haven't played a "greedy" character yet, I haven't needed to steal from other players in the party by getting to the loot chest first or yanking everything off the boss, I brought something to the party, did what I could, and sometimes took my fair share. But good rapport is worth more than gold, levels, and gear. When the option was there to make a deal they did so, but best in slot items are not required to do most of the dungeons on the server. I didn't need carries by rich or better geared players even when I was new. In any party where I wasn't the high level leading the charge, I was sometimes the low level leading the charge, but regardless of my level, I didn't need carries, I kept up with the other players around me. Sometimes I made characters that weren't so effective but I found ways to contribute even outside of crafting.
3. Yeah, I know it's a bad situation, that's why I support the viewpoint. I'm trusting the people who are making those statements because I noticed it even before the new system was put in place.
4. It is not a zero-sum game. You don't have to believe me, but your experience is not the universal experience. Your approach is different from mine and it led to different results. You don't need a wealthy character or to have the best gear many levels before you can even join a group to find it in loot yourself.
5. I don't know what you're talking about. If you want to discuss the prevalence of PvP, maybe make a new thread, this one is about gaining experience, which is primarily done in dungeons and RP XP. In my opinion, competitive PvP is against the spirit of roleplay, which is a stance I'm not willing to change my mind on.