Ok first off, whats to be sorry about? And we don't call new players n00bz, as thats kinda mean xD
Secondly don't be so timid, the only person around here that bites is Elvi... And if you throw him some cat nip he forgets about everything.
Now, there are no ATMs in planeshift, although if you need a smaller amount of money say, only a few trias, kill something weak and sell its hide. I've never been all that good at collecting specific pieces of money, but I know for some quests specific pieces are needed. try selling some stuff. Say you need three trias, sell a rat hide, and those are easy to get a hold of.
pretty much just go looting monsters, and then sell what you find, you're bound to get the stuff you need.
I'm pretty sure a more sophisticated method is being worked on by the devs, though.