Ending Guide Please?

[Sparda]

So I tried playing this game like Yukino, went all the way through on both Gerald and Erik's event trees, then saved the game with both no money and all the money.
That got me 'Bad Ending' and 'Normal Ending' respectively. So I'm curious how I'm supposed to get another character's Ending.
In President Yukino it was basically linked to Character Event Tree > Having Money, where even if you were broke you could get the Youichi or Shuu endings.
Basically I'm asking how I can get Erik, Gerald or Filio's Endings legit. I know I can unlock them with the bear, but I would like to unlock them via play.
Thanks in advance.

[71006.1644]

Interacting with whichever character whose end you want near the end should do it. I went through all three trees on one run and got the Filio ending, but I had interacted with him near the end. Also, if you want the Cheating end, have sufficient money to pay off debt, but get discovered by Kain before the end.

[Sparda]

Yeah cheating end was relatively clear. I had gotten all the way to the Sprite Sox events with Gerald once and with Erik another time and nothing had happened. So I wasn't sure what to do.
I'll try that next time.

[DartNak]

Here you are
https://steamcommunity.com/sharedfiles/filedetails/?id=1901038204