Hey guys. I like to plan ahead, so I'd love to get answers to these two questions that have been bugging me, from you experienced old ninja dogs :)

Should I be saving up coins?Will there be any coin drains other than equipment upgrading, which gets pretty expensive in itself too D:
At what level do these possible coin drains appear and how do they work?

Should I be saving up seal scrolls?
Is it just much more optimal in the long run to use the scrolls for Tendo Treasure, Mystery Treasure or even Sage Treasure, rather than Seal Treasure? I'm, wind now, and might reroll to fire at 60.