Good concept! There were some minor graphical/technical bugs (sometimes the player sprite is placed behind the dirt piles, there is a collision pause before being able to grab the unearthed gold).
Overall the game punishes NOT min-maxing. If there are a few days before bills are due, as the opening suggests, then why not have a Majora's Mask style countdown? Give the player three nights, each timed, to collect as much gold as possible? Don't punishes players for not collecting enough, just kick the debt can down the road and add it to the next bill.