So, I was kinda confused when I saw this post, cuz it was never trully hard to pay off the bank for me... But I see you play very differently. So I'll just explain a bit of what I do.
To start with, I get a MC with good magic and socials, the first char is focused on phys, but I choose the mage guild. This way both can heal, and it's really not hard to pivot her into more tanky classes, while the MC get's the initial mage equipment. The first few days are simple: you use your skills to build loyalty while both fish, and get started on the quests that you can. Really, don't worry about the quests that much, do the ones you can, and start clearing the easy and closeby dungeons. As said before, you should get the Life Power, and if you have a bad fight or just insecure, go back and heal. Which also means, you shouldn't waste your daily sex at start, use it to heal, the heal spell is only for mid fight, IF someone can die, cuz you waste battle time, that can be used to take less damage.
Finally, don't waste money. Really, you don't need to buy anything, unless it'll save you time for a quest, or you are already some 2k above what you'll need. Money is the least important thing in the game, but the first and second payments can be harsh, so don't use it at all. You can get equipment from dungeons, always enslave the bosses, and then sell them. Anything you get that isn't resource and you don't have immediate use, sell. Yes, it might be really good, but really good is easy to get later on.
Daisy is good, you can get her as soon as day 3, though I don't know what makes her appear, and you need the gold for it. She is weak at start, but even wihtout better attributes you can just put her in the back row for extra damage, and then easily turn her into bard. Believe it, bard is GREAT, I mostly use it to attack faster, but it can help with damage and defense too. Also, it's useful to have someone doing upgrades or mining the completed dungeon while others go fighting, and you won't keep the initial enslaved ones unless they're incredibly good. The completed dungeons resources are recovered faster, so abuse it, it usually takes less time to clear a dungeon, mine it and recuperate, than to go to another town and mine the same amount.
So, I follow loosely those lines, and have never had a problem with the payments, most of the time I wait longer and pay more to make sure my characters are ready, and that I can comfortably get all 4 approvals, even with bad quests.