3 million toward a racer is outright absurd. If you wanted a SS/S/C/C (8/7/4/4) chocobo, you could max STR and END with training plans then push either DSC or RCP to ~96 points with "digging for treasure." That would leave either of DSC or RCP to raise to ~95 with 19 75-chocobuck training tokens. At 28 chocobucks per 8,000 gil, that's around 407,000 gil. Then you can fine-tune attributes until you get 255/192/96/96. Even if you wasted gil on carrots or greens, you'd be hard-pressed to spend over 3 million gil on that.
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