Before proceeding too far near the start of the game you need to spend all your money (it will get stolen anyway). There are three ways to do this. Either spend it all on the Gacha machine outside the Free Stay Lodge at the very start of the game, lose purposely at arm wrestling, or (and the preferred method) buying lighters that you can resell later. I recommend the latter and you can do so at one of the stalls by the water. Purchase the Vampire or Moon Wolf lighters as they sell back for $20 at pawnshops.