Thank you so much for the detailed feedback and high praise (even if it does read a little bit like AI, haha)!
Regarding the penalty for mistakes: losing money is already the clearest punishment possible, as it directly ruins your run! But your other suggestions for post-jam polish are really interesting.
By the way, I checked out your game as well - it's awesome, and I gave it a high rating! Thanks again for playing and sharing your thoughts!