People buy the Offerings or carry other people who provide their own offering.
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.
My build is the neversink tornado build. I did not stray 1 bit from it. I took all the passive skill points on the bandit quests. My flasks are diamond, quick silver, healing lighting, healing, fire, healing anti freeze. I still had no luck on the anti-bleed flask on my many attempts. Skills are tornado(Tornado,GMP,Physical to lighting and elemental damage), Barrage(forget gems but 4 recommended in guide), Hatred by itself, and ballista with 4 recommended gems. Blink arrow with faster attack my last skill. Waiting on better socket drops to add CWDT stuff like ice Golem and
CWDT immortal call and another aura. Then drop barrage since it at this point does not seem much better than tornado.
I will have to write my gear down when I get home. Biggest issue with it is just very low level so the base stats are low. I can't seem to find the higher level replacements. Either it has the wrong base stats or no sockets ect. I don't have a ton of currency to dump into crafting ATM that was spent on a bow to be honest was not really worth it. I check lots of whites for base stats since several locations I could live with 1 or 2 sockets for now. They just have to many junk stats to waste the very few crafting resources I have on them.