You have a very high base dex. It's much past the point of being reasonable for end-game. Even with no expensive equips my Night Lord was able to reach 140 total dex with just 80 base (and this was nearly two years ago). 100 base dex is way too much.
However, it's not so high that your character will be utterly worthless. You CAN still salvage the situation, but it's going to take several hundred million mesos to do. My advice would be to restart as a pure luk dit. Str is unnecessary until you can equip a Khanjar, and even then, 30 base is a bit high for modern equip standards. 30 base is reasonable when equipping a Dragon Khanjar, but remember that your TOTAL Str/Dex only needs to be enough to equip your items.
Also, you shouldn't be equipping every piece of armor. Use your armor to equip your weapon. For example, a +10 dex sauna costs less than 1m. If you need 50 dex to equip a dagger, your base only needs to be 40 with the sauna. A ton of equips give +all stats, and they're very easy to get now. You should cap your base dex anywhere from 60-80. If you need to keep using a lower level dagger for a few levels, that's fine. It will be much better in the long run.
Also, lvl 55 takes a couple days with big bang. Just don't delete the character (you get lvl 5 blessing of the fairy when you make a new character).