I don't even know what to tell you, ever tried avoiding unnecessary combat and focused on farming the dungeon's first 2 floors ? Like cleaning floor one is easy, you get the chips and u can skip the boss most of the time depending on the configuration of the room, floor 2 u only engage with the jack in a box enemy, and you can also very often skip the final fight of floor 2, this gives you 2 upgrade tokens every day + 100$ money if you pull it off right, look for the rapscallion on your house and you can often finish a day with easy 200$, it's not some incredible grind nor it's a super hard combat and you can make it easier.The combat system is a complete piece of infuriating shit. Makes the entire game not worth playing. Either you have jet pilot reflexes or the grind is fucking enraging. We're not looking for Dark Souls here.
You're prolly just approaching this the worst way you can.