It's not the money part. Yeah if you have characters with a bad match up, then yes, you should use a character who is relatively better, but generally, like how the game's is in its current stage, no. Everyone wants to find stuff right then & there. When this stuff takes time. That's why I'm waiting it out. I'm generally an offline tournament player, too; I'm just new to the offline scene to people in the MK kommunity.
I mean I'm not even 100% positive on who I'll be playing long term but it'll be one of my favorites. It's in between Mileena, Scorpion, Sub-Zero, & Kitana. While I enjoy Raiden, Kung Lao & Liu Kang, they don't really interest me like the ninjas do. I'm still holding onto Mileena as a current starter because that's who I started with while exploring the other 4 while playing (before ultimately deciding on my true main).. I'm trying to wait it out to make my move. I'm hoping that she's fine, though.
Me as a player, I'm usually a guy who likes to play at a quick pace & play uptempo. I can do that with her, but it's only a certain time that I can. While others, I practically can, but the knockdowns with them I haven't learned deeply as I have with her.