It's not an issue of spending 10,000 or 1.5 million per change. The money is not going towards the badge credit at all and when I log back out and back in, the money is being refunded as though it was never spent in the first place. Weirdly, the costume changes persist. So I am getting free costume changes but the point of the badge is to spend the money so the game does not register that any money is spent.