Actually this is dependent on the amount of DA ur eqs adds too. Maybe you have no myshop eqs? Coz myshop eqs give alot of DA and the damage difference is very significant. I can't actually tell you how much damage a pure DA fox does as 1) I do not know what eqs you have 2) I have no idea which monster you fighting. At this lvl you shld be able to 2-3 hit jokers at path to snow with Shuri/SS IMO.
Erm... o.0 the galder question is totally... nvm... Anyway, different people spend different amount of money. They can spend on quest, pots, bank etc. You can't really put in how much u MUST or SHOULD have at a certain level and the amt of galders you hav is totally unimportant. Even high lvl ppl can have 1mil galders while people of the same lvl can have lyk a few hundred mils.
Some tips for you:
Pick up whatever you can from monsters and sell... great way to earn money while training.
Avoid spending money on quest items if you think you can get it.
Usually I will tell ppl to not limit yourself to the amt of pots to buy, but in ur case, since you are bothered with the amount of money you have, try to use the items from monster drops. For example, use greasy cherry from jokers to replace MP instead of buying pots.
If you think you are doing low damage, get better eqs or live with it. As i've said, myshop is almost everything here. However, the pharoah sword adds abt 8DA and it is DA compoundable. However, try not to comp it with DA. Comp the sword and shield with attri and just melee all the way till you can get better eqs. It's as simple as that. If you are using myshop, you could have bought the wrong set or you did not comp your set. Compounding adds quite a sum of DA and in turn damage.