Basically 50k is really low. Like can only buy 3 of the most expensive item with that and makes you have to come back and spend while in the middle of farming them or merit points because they can fill up faster than your merit points.

I'd say 150k so you could store up enough to buy your 119 upgrade pages in 1 go would be great. And that way you also wouldn't have to basically dump them all before you go out killing stuff for fear of filling up way early