All of these are viable options, although my personal recommendation would just be to modify your event that changes the coin total.
Instead of doing “subtract 1” when the player is hit, do “set to clamp(Variable(variablenamehere)-1,0,9999999)”
This will mean that it will set the new value to current value-1, with a MINIMUM of 0 (it’ll never go past 0), or a maximum of 9999999 (or whatever number you’d like here).
No new events needed.