Try making money in Online... beginning to believe Rockstar is counting on people buying cash through micro-transactions by making in-game cash so hard to come by.
Get this - if you get killed in Deathmatch, money comes out of your bank... yep, you heard that right. So retarded. I'm level 15 now, and my stats show something like I've made $125,000 and have spent $70,000 on healthcare (death penalty).
Once in a blue moon you'll get a mission that pays $9,000, but 99% of them pay $2,000. If you buy the body armor (a necessity because the AI has 90%+ accuracy - way more deadly than single player) and three sets of ammo, that is almost $600 spent before the mission, and if you die in the mission, then you lose money to healthcare. So even if you do not die, the vast majority of missions will net you $1,400.
Now go look at all the million dollar cars (not to mention aircraft/etc), and the cheapest apartment is $80,000.
But... you also have to buy all your weapons too, which are unlocked as you level. Just unlocked the scope for the SMG - total for gun and scope - around $15,000 (+$113 for 60 rounds every time you want to buy some).
I bought a cheap garage for $25,000, the uzi and SMG with scope, and have $4,000 left in my account at level 15. Not very happy.