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You can still open chests, and collect the coins on the ground, or have your followers throw coins when you come near them before picking them up. But the coins coming FROM YOU should never touch the ground. Obviously as Killians say, you purse should never overflow.
Also, there's a small RNG involved, since sometimes, even with an empty purse, a coin you pick up can bounce on the edge of it and fall anyway. Just cross your fingers so it doesn't happen.
My advice is everytime you give a coin to someone, make sure they are next to your leg. If they are near your back, or your horse's head, there's a chance the coin is gonna touch the ground.
Always make sure you have enough coin before trying to upgrade something.
The achievement should unlock on day 8 on its own. Good luck !
For me the achievement unlocked automatically after the bells for day 8, and I don't think that I dropped a coin at the same time.
Just in case, keep an eye for it, and if day 8 begins and you don't get the achievement, try to drop a coin :)