I sympathise with the scenario you put forth, I’m also a more casual player.
I agree things would be rough on someone. With a 500k balance at patch launch
BUT..... (this isn’t an attack, just stating fact), I’d average 2-3 hours a day, I realise I will not progress as fast as others, I accept this. So, much like my journey to lvl 70, I shift the goals to small increments
Sell your. Skins, even if you intend to leatherwork, you won’t be crafting that gear for a bit at your balance and pace, and you’ll turn over stocks of skins very fast in the current climate
Given time, you’ll likely end up in the position where your earning jelly faster then coin, without coin, the jelly looses its value, so sell some
Foraging, skinning should be primary crafts to prioritise..... all the usual tricks used after leaving the island come back into play.... you see what I mean I’m sure
If you like, I’d be happy to help out with a few farm cycles I do, and again, I do so casually and while not flush with coin, I’m doing well now on the jelly front, so much so that coin, not jelly is my problem (new work order board Citan?

)
Anyway, if you need a hand, feel free to lookup Warhaz online (gmt +10 Australian Eastern)
There are ways forward, it will be slower, but casuals can make it work