Gold bars, am I missing something?

I just started RDO about 3 weeks ago. I grind every night for 3 hours doing stranger missions, story missions, daily challenges. Really the only things I can do.

I finally hit rank 20 and have 10 gold bars and realized I need FIFTEEN to buy any of the roles. What am I missing? Does it really take that much grinding for gold? I want to love RDO but I’m kinda pissed off tbh bc this seems like a lot of work. 3 weeks in and still can’t purchase any roles so I can’t help but feel like I’m missing something entirely.