(1) I feel game does allow earning money at a comfortable rate. But earned money must be invested in profitable upgrades, that way money flow continues.
Problem is, first time playing it is hard to know which purchases make more money than they cost. Or which are proritable now instead of some time in the future.
Moneymaking activities were added in v0.18.2 and seems v0.20 is going to add some more.
Game could have a bank that loans money at 10% interest.
(2) Bowling tournament is a dice roll, but player wins more than loses, so it is a way to make money in the long run. It might be more fun if some skill was involved.