What I honestly got most from this Post is that, you are in it more for the money and the grind then the RP. You said that the RP is in general bad, but this entire post was about robbing banks and how shitty the Freelance jobs are. Maybe try some other things such as join DCC or LSC/Bayview! Robbing banks is fun and all but it really doesn't get RPd well. It is the same every time, "Run in, Leave the Fall guy with the hostage and go". and the prison sentence is the thing that makes them not overpowered, people tend to lean away because of 10 hours in prison, also the hostage thing, makes it less overpowered, In real life no one EVER robs bank after bank after bank. Those rules make everything more immersive and fun. and I have made 600k before doing banks so this 10-20k thing is VERY false.
disclaimer: This is just my opinion, everyone is subject to one.