Hardcore can be risky if you don't know the game mechanics and how things work. I would also practice on Softcore for a bit just to learn how to play, how to run, what can easily kill you, etc.
Also, this game is not exactly a "get rich quick" type of game, unless you are very lucky. It will take investments of time, patience, trial and error, and perseverance. Investing FG helps speed this process some.
If you need some pointers, feel free to PM me, I can help you with how to build a character and what items you should look for.
A generic character that works:
Fighter using Swords
Stat all STRENGTH
Get swords that have +Enhanced Effect (similar to "ED" in D2)
Get armors that have +Enhanced Effect for tanking or +STR for more damage
Get charms that have +STR for more damage
Upgrade weapons whenever possible. Upgrade armors after that, and charms last.