Then either play p2p (on the spending part).
Supports/tanks are your best classes then, Bard/engi support, Bard is still preferable in my opinion.
For the tanks, I'd recommend scout tank for harder aimed content like heroics, raids. s4 works too but not as good as with paladin tank.
Warrior is a good option too to tank for yourself, but the other 2 mentioned tank classes get the same job done, with way more utility for your party, and protective barriers for your party, that Warrior cannot offer.