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I have not put anything into the game for almost 10 years now.
Regarding the Zen Exchange, it is no longer flooded with Dil and has started selling for less than 500 Dil per.
As for upgrading, watch for the official events - usually Red Alerts - that offer Ultimate Upgrades as a prize. They are worth the small effort involved.
Only during sales or if you buy in bulk - the small amounts are the same during non-sale times. But most announced sales only apply to Arc, and they also offer bulk discounts for larger purchases.
But.... I have seen it announced that the delay can be up to seven days. If the OP thinks it's been longer, then contact support.
Everyone has had to go through the probation period its only 24 hours if it does go beyond that point then submit a ticket.
Garbage system.
They managed to take the money out of my bank instantly but it takes 10 days to validate the purchase? WTF? Even paper cheques only took 3 days back when those were a thing. I am only a few days into my lockout and all I can say is that because of it I have no intention of purchasing any more. I don't reward games for inconvenience on this scale. 24 hours is understandable for several reasons not the least being I suspect they have encountered chargebacks and such in the past but any longer in a time when most transactions are almost instant is entirely nonsensical. Also this was not a CC purchase so being treated this way is unacceptable to me. It did say something about a period of time when I purchased it so it's not like it's unexpected but the timeframe is a joke.
No more cash from me ARC...
Oh and my account started 2008(ish) so it's not like I am new or anything.