Me thinks the OP had a bad Hollows experience.
A lot of what he said was true, but it's not all that difficult.
The groups of mobs on the streets are big - if you want to street hunt make sure you have a good team (it can be a team of 2, 3 or more as long as you work well together).
If you want to get across the zone - just keep your eyes open. The groups are large, but there's always a way around them - just take your time.
And taking debt is a part of any team, but the exp. more than makes up for it.