There's 13 job quests and each job quest has 3 daily (except or fishing). That's 35mill from daily's. Then each 13 jobs have 1 GM quest so that gives another 16 mill. In theory, you can get 51 mill everyday if you do 51 daily's (which is kinda retarded...) BUT if you go leveling and pick drops, it's pretty easy to get crit (VD items are like 100K per item?). Maybe the problem is that you're donating for 2 chars? A few people I know who only donate for 1 char can donate 20m a day pretty easily.
But I agree that donating 20m a day isn't the best approach to it. I was just asking in general how long you think it should take 'cause if there's too many fame quests, the mall won't sell red envelopes anymore which would take away one of their most profitable mall items.