I bet you could farm 20 coins in less than 2 days so pick your poison.
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I mean, the way I see it, I earn enough irl in an hour or two to cover 20 coins which can then give me something in the game that would take a few days. I imagine a lot of the people see it in a similar light, using their irl labors to progress their in-game labors.
Especially when they don't have much time for the game like myself.