Resting in a hotel, unless having it qued for at max 8 times is a hard thing. It is all about location. My town is near the beginning quest so when I was a low level person, I was able to duel everyone and be near my town. Actually I banked several times at my home. There are many ways to duel people. The first is to go to a town and camp them. The second is to go to an area that is high populated. Take for instance, the Ghost town. There are a lot of people dueling up in that area. If you get enough money from a duel then sleep in the hotel near the area. However, you want to move around from time to time, in order to get new people. As for the dueling level it is -10 and +10 of your dueling level. Every time you duel, unless you are a zero motivation dueler, will increase your dueling level. So keep your dueling level low in order to avoid getting hit by higher players.