No, the MC basically continually learns new things and exchanges wealth points, that he earns for learning new things, for expensive substances such as jade, colored diamonds, gold, etc.. each wealth point can exchange for 1kg of a substance so for diamonds that’s 1000carats, same for jade. With jade the higher quality can be as expensive as $20million per carat while diamonds aren’t quite as expensive due to the ability to artificially produce them. Gold is obviously mostly cheap compared to these other substances.