In all honesty, I'm still trying to figure that out. Some "events" require that she's not stripped - like the one at the adult store, clothing shop, and karaoke.
Some events require that she sleeps a full night.
There's a vendor near the casino that sells a bundle of hints for 5,000 a pop, which you can then read on your PC - for example, going to the park women's bathroom at noon. Though from what I understand, these are still "minor" exposure events. I've yet to actually find a single story-based event, and have only discovered one full h-scene at the karaoke (requires her to be fully clothed.)
As far as making money.. Well I'm stumped there as well. Either I missed it, or I'm overlooking something big. I ended up using the RPGMV speed hack, pressing F8 to open dev tools, and manually increasing $gameParty.gold. Maybe someone can shed some light on how to find a baito? lol.
The freezing bug is still there - make sure you don't touch an NPC (spectators included) while next to a wall. For some strange reason it sometimes causes the character to completely lock up and you gotta quit the game.