Playing with fire a bit too much
If he really added up all of Chris Snow's wealth, then their combined funds would absolutely surpass the masked man. The red-haired youth didn't doubt this at all.
But, this money was all borrowed. In particular, for the 2 billion he borrowed from Chris Snow, not only would he have to pay it back with a sky-high interest rate and fire gold, but just the insurance meant that he would have to pay the Adventure Association Bank 200 million!
Being a martial artist was an extremely high-risk career. Perhaps a few years later the borrowers might be dead. Thus, for guarantee, with such high risks, the charges were appropriately high!
Moreover, in order to continue bidding to this point, he had done so with the support of the other two prodigies. He still had to pay them back! Where would he obtain that much wealth?