I haven't had any trouble getting through Hell with gear I picked up either that dropped in my games or I bought with gold I got in my games without gold find gear on. Come on, people, it's not hard.
When it comes to Inferno, sure you end up doing some farming but I was able to get through Act 2 with minimal headache (with Belial being the real skill-check at the end) and am starting Act 3, all without farming for hours like buddhabelly34 was talking about. You're not required to be 60 to farm anything, nor are you required to farm at all. Get as far in as you can, nudge a little further if you want, then start another character.
Come on, man, that's what Diablo 2 was all about when it came to the 3 skill levels. You are not required to do anything but have fun. If you don't have fun because you're unable to handle a real challenge in Inferno or even Hell for that matter then please do get a refund and, in the words of the great Arnold Schwarzenegger, "Stop whining." Get out of our game and quit making it not fun.