I have seen so many people that hire T3-5 workers that also has a higher baseline skill making the cost per hour skyrocket.
1:
Never ever buy a miner, farmer or smelter that also has mapping or disenchant skill. The gold per hour will be insane.
2:
Only run mappers when you have extra gold and a lot of maps with mods you prefer not running yourself. Mappers are very expensive. Yes they can give some nice things, but if you struggle with gold it is certainly not worth having them running all the time.
3:
Only have the disenchanters running if you have a valuable unique to disenchant. Don't bother spending 30 minutes to disenchant a 10 000 dust unique. It is simply not worth it. Go through your filter and make it mark higher value uniques and disenchant them when you have extra gold to do so. Disenchanters are very expensive to constantly run. Remember a low
item level unique is worth quite a bit less dust than the same unique that dropped in a higher level area.
If you play casually try farming up gold before putting yourself into situations where you contantly run out due to not keeping up with the cost. Personally I like to farm up around a million gold before even considering activating mappers, disenchanter or ships. If I know I won't be on for a good while I often stop everything in town to have 0 upkeep while I am away. A good way to look at kingsmarch and gold is that you have the option to convert gold into loot. It is an option. Not mandatory.
Never compare yourself to people that play 10+ hours a day unless you do too. Chances are huge that you also play way less effective and with much much weaker builds. If you are like me you can never compete with those people anyway. You will be much much happier with the game if you only compete with yourself and your own limitations. :)
Oh and here is a trick for mappers:
When a mapper dies it will always be the lowest tier one. So you can easily run 5 nice tier mappers and one low tier. That way if the 1% death happens(can't get lower chance than that) you only lose a cheap mapper and don't have to spend a ton of gold rerolling for a new one.