Possible money Hack???

IS THERE ANYTHING THAT ISN'T SERVERSIDED!?!?!?
If so name a few fhs's that I should be looking at so I can make some progress.
and btw your right I tryed changiong some things and it just crashed with a error message telling me "no free blah blah blah"

Yes, there is! Client-sided content!

Anything that's inside the boat you're hosting with the exception of a few stats (LUK) and certain status effects (EXP and cores) can be modified.

You modifying the .hfs files is literally modifying the client itself. If you've ever done packet editing, this is no difference to Read packets in which you send Read packets to yourself which can make the server think it sent you a Send packet and you're receiving a Read packet, if the game is not programmed secure well enough, that is.
Let me give you an example, you can modify the boat sign to show you all the boats at level 1, but it doesn't necessarily mean the server will allow you to enter the boat, UNLESS there is a vulnerable point in which devCAT has not done a check.
There are a few vulnerable modifications that can get you gold, because almost every game is vulnerable like that.
You just need to search deeply and you'll find something you can abuse. It's something that you can't really ask for help about because the more people that know about an exploit, the faster it will be fixed, the higher the chance the person who shared it will get banned.