Yeah, I have used tools like CheatEngine which can edit memory locations to achieve the same effect in the past (really liked the pooka bad end scene). If you really hate the ToA combat system, btw, you can use this to win or lose any encounter pretty easily, with a little practice on tracking value changes. Not gonna go into a full tutorial here, but e.g. CheatEngine enter your starting HP as a new search when combat begins, wait til it goes down, search for the new value as the next scan, repeat until you've narrowed it down to a single memory address, then either freeze it or bump it to 60 as necessary (to win) or set it to 1 or 0 to lose (you can set it back up to 60 after you start to see the defeat dialog if you don't want to heal at camp afterwards). Memory location for HP resets every combat so without writing a script to find it that's the easiest way to go.
Don't think every user is up to these methods, so a quick-n-easy fix might be a second value in the save to track banked gold, then a dialog tree with 'deposit all' 'withdraw 10' (repeatable) and 'withdraw all' options.