You sound like you think he doesn’t need capital at all. Why would Harry avoid using a resource that would facilitate reaching his goals? Wouldn’t the rational thing to do be to use the methods that accomplish your goals in an effective and timely manner?
There are times when solutions other than money would be more effective, and there are times when money would be more effective or efficient. So why should he eschew that resource just because he can?
Yeah, Harry discovered that you can’t transmute something that hasn’t already been created through more conventional means.