I think you're over thinking it, the tutorial covers both less advanced and more advanced techniques;
In reality, the first few paragraphs is all you need to know to cover the basics and create what you want.
Specifically, that part.
But what of that Code Says to store the data in a Scriptfiles/user txt file? what i mean is writting Money in pawno its like writing SADASDA because he wont recognize that is the money from the "game"