Some minor theft and at level 3 I've run out of skill slots to use, maybe you've just been really really unlucky? I've actually been meaning to ask or check if it was possible to add more than 9 slots, or additional bars. Not too hopeful about it though given how they're already saying ui scaling would be really hard to implement. What I noticed helped a lot for cash was taking the crafting components, crafting whatever I could then vendoring that stuff.