You dont necessarily have to do strikes or CMs, its more being aware of what gold making options there are.

Meta train for example is pretty player friendly as all it entails is following someone and hitting mobs a few times.

To a person not actively trying to get gold, 90 gold is a lot. To people who are actually trying to get it, its not that much.

Same idea with like work. To someone who doesnt work, 20$ might be a lot, to those who do, its not that much.