Ok, I will give a shot at answering some of your questions.
First, there is really no way to build money fast. Once you have a character that generates large revenues, it is easy to transfer money to other characters. But, until you have that revenue stream, you just have to suck it up and work at developing a character.
The character most likely to make money is a digger. The next most likely character is a robber.
The question of an easy way to make money begs the question -- is there an easy way to build characters. No, every character is a compromise. There is no perfect character; hence the challenge.
Next, the only way to acquire attribute points of which I am aware is to level and to complete missions. That said, a well developed character levels faster or makes money faster than a poorly developed character because he or she is better suited for the tasks to which they are put.
The game does not get easier as you play; if it did, nobody would continue to play. However, as your character levels, the rewards increase significantly. Many characters over 30 routinely make hundreds of thousands of silvers in a day's clicks. Any decent character will have earned in excess of six million silver by their early 30's.
Third, the game cannot become more time consuming because the characters recieve essentially the same number of clicks per day. Each character does receive 1 click per day for each level they have completed besides the basic daily clicks, but this does not make the game singnificantly more time consuming. Players who enjoy the game and play long term find that the strategy of the game is at least as interesting as the clicking and will probably spend at least as much time planning their clicks as making them.
If you want to enjoy the game, take a day or two study the files available. A wealth of information is available to anyone willing to accept it. All of it is free. Once you master the basics you will probably realize that you made significant mistakes in creating and training your first characters. Congratulations. These unsatisfactory characters will have a lot of silver that you can transfer to you second generation of characters. The second generation will be both better designed and better financed. Expect to spend about 3 months learning the basics.
I hope this has been helpful. The charm of this game is the endless variation. If you take the time to study and understand the game, you will soon find that you are intrigued by one or more of the many strategies available for playing the game and interacting with the other players and their characters.