It is extremely difficult to filter addresses in this game, so making a trainer that works for all would need more time than it's worth it.
However, nearly all values are stored as float with a multiplier which I forget. I think 8 upgrade points are something between 1.325 float?! And money was around the upgrade address, I think [upgrade points] - 0x30.
Nope, Money is 4 bytes on my copy, so is upgrade points (though it's glitch and it is possible to have so many the game bugs out)