Suman, Shikin Boost yori Cheat na Skill Motteru Yatsu Oru?

Shuuto, a Japanese teenager, dies earlier than planned due to God's mistake. To make up for it, God decides to reincarnate him into another world, and give him a special ability as a "present". Shuuto, a lazy boy who absolutely hates having to put in any effort, work, or be placed in any danger, says to God: "Just let me live and have fun." With that, God grants him the "Raising Funds (L)" skill, and sends the kid on his merry way. Unfortunately, he quickly finds out the problem with his cheat ability: it's not an infinite money generator, but a loot modifier. As in, it only works if he defeats enemies? He actually has to work for his coin?!