I disagree that Monks/Champs are bad money farmers. In fact they're one of the best, even for those who don't leech in lh3 or even have the gears.
With just a DBx Chain and Eddga's and Steel Body, I can easily kill Lolis and make money that way. While it may not be as efficient as using a WS/BS or a Priest/HP, it's still fairly good money. You just need to know when to stop attacking to pick up the loots and when to keep going. I don't even need to buy meat because I just use a Loli Ruri Coat instead plus an Enchanted Peach Tree Guard.
W/ Lh3, the rare drops are much better but they're precisely as they're labeled....rare. You're not going to get a good drop every single time you kill something of course. What makes Lh3 such a great place to level is the leeching and not the drops. Unless you're leeching and lucky enough to get rare drops frequently, then you're not going to make much money from lh3.
Btw, it isn't just strength that adds to Asura's damage. It's also the amount of SP you have as well hence why there's a big discussion about implementing the Lady Tanee Card on this server - it adds +50% SP but -50% HP I think, which means Asura's straight from hell and one-shot MvPing. (It seems a lot of people are against this card being like that and I would totally agree with them, it would make Asura even more broken).
Your friend is right about not putting Samurai into your mace. I would suggest TT and skel worker x2 or TTHH.
If you simply don't have the money to do that, then stick to places you can mob well and use DBxx mace or a DBx chain. The chain is there if you REALLY REALLY don't have the money to spend on a mace.