Ending with a negative score means you got into debt, which is one of the losing conditions. This happens when a hero comes and sells you their loot, which costs too much so you go into debt. The error was specific to the build, but it only occurred when you lost. But yeah the debt loss could have been explained better and we plan to change it so that you dont lose immediately. Also, the fact that whether you survive is up to chance is true to some degree, especially when you dont know whats going on, so we will try to address that too. Additionally , whether the hero dies or not is determined by his survivability. Thanks for trying the game out and for your feedback!