Register a character, receive 500 sheckles, and spend them. A character is nothing more than what you have bought: an origin, attributes, products, weapons, gear. What you carry into the mountain is what you chose to carry.
A handle and a password. Every new account opens with 500 sheckles.
Buy origins, attributes, DMT products, weapons and gear. Prices are fixed and escalate only on repeated attributes.
Your character page is the sheet. It is the list of what you own and what you have left.
Sheckles are awarded by the Game Master. If you are short, open a support ticket and say so.