Just leveled a new character, maybe it was because i didn't do all the normal quest because of the Exp event but i did not come close to making enough kinah to buy all my skills, i avoided buying any gear or potions from the shop and use what the game gave me.
Stigmas was impossible, no one was running NTC/FT and the prices for low level stigmas on the broker was insane prices. So the theory that the game provides enough kinnah to progress to 50, just isn't remotely true, i think in the end i ended up have to take 5mil from my main to buy skills.
Oh and that didn't die which helped, the SS cost is a complete joke.