It's perfectly fine, save your money and never buy any bank/inventory upgrades!
You can even skip Coin lords/House K favor each life.
Anyone can get triple completionist and max out all EDs, also after U20 get all epic past lives while being absolutely NAKED, i.e. no gear needed for that.
Or you can live with some BtA items, several BtC items and the rest random items.
But the question is why you have a problem with folks (the majority), who want more BtC space?
Not to mention that they are willing to pay for that.