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EDIT . . . If you're wondering how, get the deep pockets skill from the temple and then lose intentionally to him. Next time you fight him, you'll get your money back plus half of what he took from you. As to how that guy got him that high; a ton of farming
Nah. But losing to him doesn't have any negative effects. It'll spit you back out onto the street with half your health, even on Legend. Then next time you run into him, he'll have all your money + all his money, and when you beat him you'll get all of it +30%-ish thanks to the CP bonus "Mr. Shakedown's Deep Pockets".
So just do that over and over again and you'll have fat stacks of cash.
There's no way every purchasable item in the game costs that much all together
As for WHY. Its because the secret Dragon technique is extremely costly to level up (and also takes ages too). You'll need that money.
To pass time for real estate, Legend style take a good amount of money if you want to level up to level 999 too.