Now that just sounds selfish. And to get Kyuubi you have to be at least 50dk in, so you can't be that "noobish" as you so blandly put it. And you have to have 500,000 gold and 500 gems to get it, at that.
And at that, you're paying a fair amount of gold to get it.
Now, in one game day, at MOST you can withdraw 9,000 gold, and that's level 15. So, at most, with that, you could withdraw... Hey, lookie there, 1 gem? Dang, those "noobs" sure are nifty; working around the system. I am sure that one gem will go towards the gem hall of fame, massively.
When I was still leveling, in a normal game day I would get around 20,000gold. Even now, as level 15, sitting, wasting all my turns, I get around 10-40k gold a game day. And that's why I believe it should be based partially on your dk rating.
Maybe... 500g(dk)=1G?
g=gold, G=gem
For someone with 49 kills like myself, it would take 24,500 gold for a gem. For an Acad, after all, 500 gold IS a lot, and a gem is still a lot.
For your information, Kyuubi costs 100,000 gold and 650 gems.
At level 15, a Sannin+ can go to Hoshigakure and withdraw up to 36000 gold in one day.
Anyway, why would you need the gems? To purchase a mount, or elixirs?
Academy Students should be used to not obtaining a lot of gems in the beginning. Heck, I have a Chuunin I rarely go on who has 120 gems, and that's without directly paying for gems.
Honestly, the game's still easy to navigate through without the option, so like John Lennon and Paul McCartney have stated, "Let it be."