How does one even "farm" Uber lab? Don't Offerings only drop in trials (one at a time) which are 10%~ spawns in maps?
People buy the Offerings or carry other people who provide their own offering.
So am I missing something or do those cool kids do to have like thousands of Chaos Orbs. I'm Lv74 and I have exactly 0.
Lvl74 is nothing, you just started the end game. Progress on the Atlas, complete all tier 1-9 maps including uniques if possible then start running shaped tier 11s. Then graduate to tier 12-13 then tier 15 + Guardian map drops (don't need to run a guardian map more than one, just sell the maps for east chaos).
You can also farm Uber Lab but farming maps is more chill. When you start getting into sustained tier 13 maps that are fully sextanted, that's when the money starts rolling in around early to mid 90s when your character is more less complete with 20/20 gems and good gear.
And that other guy who is at lvl1 with 2.7k HP and 50 res... bro those stats are awful for mapping. What you need to do is start farming Blood Aqueducts for item drops and currency so you can craft you gear, get resistances and life up at the minimum. I don't know how it is on the Xbox but you can force create a new instance of a zone, just have to look up how to do it (on PC it was ctrl click on the zone). Once that area is easy enough, you graduate to Chamber of Innocence and run that area until you are like mid 3500 and 75/75/75 with better DPS.
Start looking at vendors for jewelry, armor and weapon pieces that are suitable replacements for your old gear. Get them white, increase their quality and Alchemist them. Scour and Alch until it's am upgrade or what you need. Improve your gem set up.
In fact just post your build with your items, flasks, jewels if applicable, gem set up and skill tree (bandit option) so we can help you better. There are probably some mistakes you are making in there. Also abuse the Master enchants as well.