Well, Naruto could figure it out by thinking outside the box. He's not one to follow the normal rules. So, instead of directly trying to take the bells from Kakashi in a traditional way, he might come up with a plan like using distractions. Maybe he creates a diversion with his shadow clones while Sakura and Sasuke sneak up on Kakashi from different angles. This way, they work together and have a better chance of getting the bells.
In fanfiction, Naruto may figure out the Bell Test through self - reflection. He realizes that the test is not just about physical strength but also about understanding his comrades. He might recall past experiences where he was alone and how that made him feel. Then, he understands that in order to pass the test, they all need to rely on each other. So, he starts to communicate better with Sasuke and Sakura, sharing his ideas and listening to theirs, which eventually leads to a strategy to get the bells.