What does Luke buy with his last ten dollars?

An insect that turns out to be a mythic Golden Dragon.

Why does Luke enter the monster-hunting exam?

To reclaim his mother's stolen legacy and confront his cruel brother.

Called Me Trash? My Bug Became A Dragon

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Called Me Trash? My Bug Became A Dragon — An exiled heir awakens a powerful system and bonds with a mythic dragon to reclaim his birthright.

After his billionaire family banishes him and his former partner betrays him, Luke awakens the SSS-class Omniscient System. He spends his last ten dollars on an insect that reveals itself as a legendary Golden Dragon, granting him the strength to enter a deadly monster-hunting examination. He fights to recover his mother's stolen legacy while his ruthless brother stands in his way.

Quick answers

What does Luke buy with his last ten dollars?: An insect that turns out to be a mythic Golden Dragon.
Why does Luke enter the monster-hunting exam?: To reclaim his mother's stolen legacy and confront his cruel brother.