Based on the provided search results, there are several recommendations for fast-wearing novels with female protagonists who have a money-spending system. Some of the recommended novels include:
1. "重生之女配很傲嬌" (Rebirth of the Arrogant Supporting Female): The female protagonist is reborn as a supporting character and easily defeats the white lotus flower, striving towards the pinnacle of life.
2. "快穿女配超兇的" (The Female Supporting Character in Fast-Wearing is Super Fierce): After the female protagonist obtains a fast-wearing system, she starts traversing different worlds.
3. "快穿:財神下凡,軟萌宿主又被迫花錢了" (Fast-Wearing: The God of Wealth Descends, the Cute Host is Forced to Spend Money Again): The main character, Ruan Xing, is forced to bind a money-spending system and must spend a certain amount within a specified time or face punishment.
4. "攤牌了,我是富二代" (Let's Be Honest, I'm a Rich Second Generation): The protagonist possesses a system that allows them to become rich, and their task is to spend money.
5. "虧成首富從文娛開始" (Becoming the Richest Starting from the Entertainment Industry): The protagonist has a wealth compensation system and continuously engages in loss-making business, never stopping their spending.
Please note that these recommendations are based on the search results provided and may not represent an exhaustive list of all fast-wearing novels with female protagonists who have money-spending systems.