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Who cares if they use a currency balance? This way they profit off impatience, and those that don't want to spend money have an avenue for earning characters. I'm sure they aren't going to completely wreck this model by making it so the fight money takes ages to earn enough of just to get a new character or something like that. I imagine that as long as you're playing and enjoying the game, you'll get plenty of currency.

The buy it now option is mostly made to appeal to more casual players who can't or don't want to put forth the time investment to earn characters the free way. Shortcut microtransactions like this exist in a lot of different games, including the new MGSV, recent Tales of games, and plenty more.