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Not sure, I think that right now there is a decent amount of ways to earn gold.
Only more tests can tell if its true or not.

sorry, mightve been in a bad mood then, it just doesn't happen often in balance to how many times I had characters ask for large amounts like 500 or around this much, which gives an incentive to refuse them, in order to not go into the negatives

Ah, the biggest gold requests are intentionally bad.
Forcing you to either decline them, or to accept and ruin your Dungeon.

(+1)

I have discovered debt is pretty tight actually! I just didn't listen to the mob boss and accepted literally everything else without regard for my finances. I may have gotten stupid lucky but my loyalty pulled me through.