What would be other options on money systems? if possible, i would prefer to not have to deal with databases. i dont want to use esx or vrp, the only thing i need is to be able to have players money saved and be able to add and remove it but no need for any job things and such. Currently im using discord economy bot beacose i have not come across anything better myself.
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Databases is the way to go on non static data.
But you can use bad practices such as files for saving dynamic data. Keep in mind it’s very easy to mess everything up and lose a bunch of data 
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just working on standalone cash system will release soon
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