Don't forget body banking!!
It's pure speculation, we have no idea where the game is headed yet. But it could be that you start off backed by some corp entity, and are on a retainer. So you'd have some cash sure, but maybe the 'basics' (some basic weapons, ammo, armour, medical treatment and maybe even housing) could be part of the deal and your actual expenditure is minimal. But then there would be the typical Cyberpunk twist, and you're either on the run from them, or even going against your employer. Then the game would run so you're evading your old employer, doing side jobs to gain some cash & equipment, all the while you're trying to gain info to clear your name.
You could end up dealing drugs/illegal cyber/weapons, B&E, selling info, pimping, making a killing and going to do your body banking, body guarding, bounty hunting, 'courier runs', escorting convoys...who knows!!
As for the healing (getting of subject), there's no regen unless you have appropriate cyber. Sure, you can heal without cyber, it's just slow and tedious. Especially if you've taken say, 6 damage and have only first aid to help you along. It would take you 12 days of rest to get back to being unwounded.