Returning duo Whitesmith or LK

Hello, returning player that only played during pre renewal. Managed to convinced my SO to play with me and she's been really enjoying playing as an archer, just became a hunter. I've been playing as a merchant that just got to blacksmith. I chose blacksmith because of the greed skill, thinking that I'll need it to loot for us but I really dislike the fact that it costs money to use the attack skill.

My question is, would it be cheaper long term to play as a knight? I dislike having to manage money just to use the skill, but maybe that's minimal cost once we get to end game.