In asylum there is the woman who will have you pay 2000 money for 15 minutes with her. I spammed through dialogue after that was done, and it pulled a further 2000 from me and it put me in the negatives.
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If you are on PC, you should go to (Your User)\AppData\LocalLow\LAGS\RingManSpiritHunt and modify your money in the SaveData.txt file.
Just modify the one that says "Money":, not the other one that says "mMoney:", idk what the latter does.
Oh, also the appdata folder is usually invisible by default, if you can't found it, google how to "show hidden files".