Not that difficult if you know what to abuse.I am wondering, is it even possible to get 20 gold coints on the first run? Is there a cooldown till a Bad End happens if you fail to board the ship in time?
https://f95zone.to/threads/lonarpg-vbeta-0-8-4-3-1-eccma417.49993/post-11650035
If you punch this guy in front of the counter from behind, it can start a bar fight and you get free loot. Even better if you have that cannibalism skill unlock so that you get brains and meat with you can then get some value out of (eg. smoked meat for some coins).
Don't think there's some kind of bad end there, the number of gold coins required just increases I think.