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... materials he had also came from boss raids and exploring dungeons.  He also got materials from PK-ing other players.  So there wasn't really any need for him to spent any money at all.

He was just a poor scholarship student then, where would he get the extra money to buy crystal coins?  It didn't matter anyway since he could still get high quality weapons, accesories, and armors by working hard in the game.  But now he suddenly had 2,000,000 crystal coins.  < ...

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[Naruto + System + Blackening + Cool Text]

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After experiencing all Naruto’s experience, he can’t repay grievances with kindness, let alone forgive!

Since the main personality has nothing to do, then his sub-personality is in charge of everything!

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- Description from novelbuddy