1. There are some people around the town who are related to Paladin things and you need to talk them multiple times. Some of them will give you reward by advancing your rank, while others will ask you to do certain tasks. The latter is probably what you're missing.
2. If you haven't finished the Al Maajik part of the main story, you can't access to Desertward Ravine. Desertward Ravine is located from the south of the West Grassy Plains.
3. One of my easiest ways to get Dosh if you're not strong enough to quickly kill the toughest monsters is to repeatedly kill the large turtles found in the beach-like hunting area. Each bounty will reap you at least 1800 dosh every time. Sometimes, they will drop a rarer fishing rod, and you can sell them for around 10000 dosh. If you've reached Level 50 or over, you can now quickly kill most of the largest beasts, especially if you have strong NPCs or players with you. Bear in mind that to respawn them, you'll have to sleep for at least a day.