Thank you!
That's very much the way we played, but we found the game was heavily stacked against P. As agents we did all sorts of risky things with low scores, and wagered on them, and never managed to fail. It seems hard to imagine actually running out of Coins.
I'd thought we were almost certainly doing something wrong, but it doesn't sound like we were :)
If multiple agents attempt the same risky action in different ways can they use different stats to do so?