I don't have to worry about it, as my female ego sucks my bank account dry faster than if I had married her instead of putting her in my sword
But I do have an alternative to pets - make some free mules underneath free email-address accounts such as hotmail and gmail. Each one will let you store up to 2m more without buying pets or alt characters on your current account.
Of course---in order to get access to the money you need a very trustworthy friend or two computers, but it's better than actually paying money just to story mabi gold.
Granted, the *real* solution would be for Nexon to get rid of the limit...but meanwhile, we do what we can.