Gu Ningxuan indeed has no money, but that doesn't mean the "Gu Ningxuan" who believes in the saying "a cunning rabbit has three burrows" is broke. His hacking skills are almost on par with Su Mo and Changxi's. Creating a few accounts to store Credit Points is totally stress-free for him.
Of course, Gu Ningxuan can easily do this too, but his character is too stubborn. Since he was kicked out of the Gu Family, he never planned to rely on that money again. Also, Gu Qidong only froze his accounts initially, and with Gu Ningxuan's own abilities, unfreezing them would be no problem, but he just hasn't done it! In the eyes of the second persona, this kind of behavior is just self-inflicted.
