Anyone ever notice the Pay to Win players in video game isekais? They're big spenders irl, but the moment they get isekai, they become the biggest misers and scrooges.
I don't want to fill in the author's plot holes, but it feels like authors don't know how stigmatized P2W players are with normal players. Now that mentality of hiding your cheats would transfer with the MC, but none of that is ever mentioned in terms of character building.