Pain to much and get less 23/9/23

Hunting time is toooo few to face actively monsters. I know I should spend much time to walk around to get materials. But when I want to enhance equipment, it need lot of zeny! I realized you just need we to spends lot of real money to pay for refill hit point to recover when monster sweep its body and hp reduce to 0 if I have no money to increase my equipment. If we want to test some build, pay off all of my money, right?