I felt a bit underwhelmed regarding the lenghty conversation engaged among Saiko and Shuujin, but it made to appreciate an important point.
For idiots they live of their dreams and waste, as their lives pass by.
On the other hand, geniuses grasp what they want to do and do right away to achieve their dreams.
The last statement can be exemplified upon what Saiko did later back at home.
Spoiler:
1. He already expected from her mom to deliver him the absolute "No" to being a manga artist. Nevertheless, he talked to her about it, and, in turn, requested her to relay his decision to his dad, if the dad was okay with it.
2. Believing his father replied quickly to what his mother relayed, Saiko already knew his father said "No". Nevertheless, he waited expectantly for his mother to come with his father's answer.
For Saiko's fortune, luck smiled to him, getting the absolute approval from his father.
3. Saiko felt undeserving whether or not to take the keys to his late uncle's apartment.
Again, I sincerely concluded Saiko did the smart thing by accepting the keys that his grandpa kept.
If he's going to become a manga artist, he'll need to gather all the means he finds or happen to drop in his path to become one.
He would be an idiot if he refuses them due to not feeling deserving of those gifts.