Well if the game gets too hard I can mod it myself to some extent but for now I still play it vanilla.
The guys I told you about detailed their strategies in one of your own thread : https://itch.io/t/1542823/compare-strive-orig-to-strive-conquest-2 (16 days ago not far from the top)
It's "Beran" and "Give Robots Names", both of them are able to clear the debt problem using different strats. I don't play Orc but usually I use Elf/Tribal Elf or if I want it easier Seraph or Dragonkin. At the beginning I do goblin dens only then bandit dens. The Bandits dens are lucrative since you can capture the leader which nets around 180-200 golds (pays for the map).
The loot from the dungeons are abundant and sometimes I buy something in the shop (at the beginning I don't spend more than 500 golds in armor/weapon, usually dungeons drops very good equipments). In very rare case I buy a weapon/armor worth 1500-200 gold only if it's really good.
It seems Archer give enough of a boost in speed which make early game way smoother and less risky