I still loot from monsters. I also still do the escort quests for 500 gold.
Ditto for me as well. I will hit my 10-year anniversary playing UO later this year and some days I feel like I must be playing an entirely different game from the one many other people who post here are apparently playing. I always loot gold, small gems, regs that are in piles of 5 or more, magery/necro scrolls, "clean" jewelry that I can imbue with additional properties, skeletons and skeletal parts that I can cut into bones, ingots, any kind of leather other than plain, scales, peculiar seeds, and maybe even some other stuff I can't think of at the moment.
I have characters on every single shard, many still "in development." I enjoy working them up from scratch and trying to make each character as self-sufficient/self-supporting as possible. But, try as I might, I can't seem to ever get the total amount of gold they all hold to go over the 120 million mark. I guess I am still spending too much of it on things like galleons (got the crazy idea to GM fishing on a few more of them) and then there are power scrolls to buy once in a while and of course buying amber and citrine to train imbuing adds up after a while too!
I've had a little shop on Balhae for about 8 months now and by my rough calculations, I think it's brought in maybe 8 million gold in that time, but I estimate about 31% of that, roughly, has gone to vendor fees. I think I've spent maybe 1 million gold off one of the vendors to replenish my artificer's gem supply, but that's it. There's really nothing to buy on that shard and I don't have any way to move the gold off the shard, even if I wanted to, unless I pay EA for transfer tokens.
I've tried putting up a vendor on Atlantic to sell a few things, even after vendor search came out, but after no sales in a week, I took the vendor down because all I was doing was watching the gold I put on to cover the vendor fees dribble away one day at a time. I've tried selling stuff in general chat on Atlantic a time or two as well (some of those compassion dyes we got and a holiday item with EM Bennu's name on it), but that was pointless as well because my characters are unknown. Didn't even get one response in GC when I tried it those times.
I don't have vendors on other shards because most of my houses on various shards are in Felucca and I just don't think people will go there to buy stuff. So even though I have completed crafters on several shards who could make stuff that maybe new/returning players might want, couldn't even sell it because it would just be another experiment in watching my gold dribble away in vendor fees. And no, I don't want to go looking for someone to rent me vendors and then charge me ridiculous fees in the process.
I also don't make any real gold from doing BODs because I don't use scripts to mine. I'm luck if I ever have more than 2 or 3k of iron ingots on any one shard and a similar amount of dull and shadow ingots to get the occasional jar of PoF. Same for tailoring BODs. Just don't have the supplies to do them in large quantities and hope to make anything from it.
When I read posts on here by people saying things like stop dropping gold on monsters, I just cringe. If that is the general consensus among the people whom the devs seem to listen to, I really wonder why even bother continuing to play, "investing" more time and money into UO. There's no way I could continue to play and enjoy UO if I had to resort to "making gold" by selling items received as drops or by doing the "buy low/sell high" thing or by figuring out how to do IDOCs and hoping to sell stuff obtained from them.
I may be just a below-average player, but heck, I enjoy UO enough to pay for multiple accounts each month. I hope that in the long run, people like me who maybe fly under the radar and aren't out doing EM events and/or rubbing elbows with game staff in various ways and who aren't playing UO as a way to earn a real life living do count for something and that the simple, basic, and I suppose "pathetic" ways we find to enjoy ourselves aren't overlooked, discounted, and thrown out the window just to appease other players who have had the good fortune and I suppose the brains to make more gold in UO than some of us would ever see even after playing 20-25 years.
*Jumps off soapbox.*