1. Agree 100% with the 50% charms in Vaults.
2. Bundles are tough I know, but making it being farmable in LN (as an example) would be bad. It takes 5 People to do ln at max and you'll drop a stack of T5 bundle from the boss? Or 10 Blues from boogy, 10 Golds from Crab and 10 Reds from Levi itself? Considering it only benifits one person and doing ln takes 5 mins so you won't have to donate for bundles anymore = server looses money.
3. Although it is true that making money has essentially gotten difficult, specially for most single target classes. So why not make mini bosses drop something that's worth a whole mob. Ex: Farm Caimen Master? In TM get 300s per every kill or every other kill.