Hey there. As an Iksar Monk who went through this exact scenario, let me tell you how I wt about it.
I leveled in Kunark until 17 when I got FD. After that, I got a port to WC and began my journeys amongst the rest of the players. At first it was difficult seeming, but there are a few very useful tricks you can learn.
1. TRAIN SNEAK and practice it! There is a NPC named Bubar in the EC tunnels (in the big room with Shady dealer) who will sell to you once you use sneak behind him. He is not KOS so you can stand there trying to get sneak to work as long as you need. Once you're successfully sneaking, stand behind him and right click. He will sell / buy with you. Bandages, Water, Iron Rations, and gems if you have too much plat and wanna hold gems instead of 200pp.
2. HIGHKEEP! This will be dangerous at low levels, but it is doable. You can FD flop your way down to the basement and there is a lady banker there before the goblin area. Ther are many guards but no casters , so just feign, wait for cool down to come back up, stand up run, feign again. Rinse and repeat this process until you are FD'd under the banker herself. Then stay down and right click her. You can bank here. It's a bit of a hectic run through Kitchicor, but FD is a life saver. Use the Wiki p1999 as a map reference. You'll have to flop by lots of KOS npcs , but it's inevitable in your life as an Ikky so get used to it
[You must be logged in to view images. Log in or Register.]
3. Lastly, a lesser important tip - the gypsy camp in Oasis has throwing daggers for sale to make for easier pulling.
Good luck! Welcome to the game - send me a tell if you need any assistance or have any more questions