I love this.
Sadly i don't want to erase my progress to get the last medal, also i think you can beat the game with upgrades because it doesn't say "Collecting more than 20 coins", it says "With less than 20 coins in your bank" so i think you can farm a little and try, but i'll lose my actual medals? Sad.
Edit: Nvm, did it minutes after commenting this lmaooo, gg 100% Fear Less.