Thanks for the feedback!
The MC can actually create much higher quality resources than the paid ones if he has the respective skill sets. For example, having high Creativity and points in Music will allow the MC to create high quality music resources for the game (Upto +1000). Also, the Motivation level comes into play at the time of creating the resources, but not when buying them.
Three out of five endings are bad ones, so you don't need to try and shoot for all of them. :)