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To earn your final gold coin, approach the man standing outside the home near the guard. This will trigger a cutscene between Monty, his love Belinda, and her angry mother. After it concludes, you can speak to Monty and accept his offer to deliver a letter to Belinda.

When Monty's Proposal is in your hands, go knock on the door. Belinda's mother will come to the door and your sister Rose will ask for a gold coin to pay for the postage on the letter you've brought. At this point, you can either hand the letter over to the mother (for an Evil point), or you can run upstairs and deliver it directly to Belinda (for a Good point). Regardless of what you choose to do, you'll have your last gold piece. It's time to pay Mystical Murgo another visit and finalize the game's childhood chapter.