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There are items that you can obtain in less amount of time through the cash shop like white stones and brown boxes. However, a free to play player can always get zeni by farming or w/e method he uses and then buy the items he desires from other people.
Ok I see now.... so with cash point I buy the white stones and also the other items, and a person who does not have a cash point, needs to spend a lot of time on the farm and collect zeni for buy, of other people who bought with cash point... other question , this white stone is for what?