> Or fuck it and just turn this into a shmup.

This is suddenly inspiring me.
What if... we make a shmup where you actually TRY to get hit?

Story and Gameplay: DADDYCOOL is your homeowner. You have to payHimENoUgh. To do so, you fly with your vessel through hordes of "enemies" flinging coins.

The more you get hit by the pennies, the more you earn.
But if you crash into the enemies headfirst, you lose money.

At the end of each level there's a boss.
When you get hit there's a money loss.
Your Mom, the IRS and the Dentist of Doom
are ready to make your finances go boom.

If you can save something from their greed,
you can buy the bonuses that you need.

Complaining the money is never enough?
Just ask Ya-chan to loan you some dough;
just keep up with the rates and don't lose,
so you can avoid the cement shoes.