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That said, it isn't like you can go bankrupt and lose the game. You can get knocked out in a dungeon(and have to restart the day), you can be so slow that other crafters get and do missions before you and you miss out on them, you can fail to get 1st place in the monthly leader board and you can fail to win the monthly events. However there is no game over.
So it is sort of like, there are a lot of goals you can reach for and they are a good challenge to get, but you can blow them all off if you want and you would be okay. Like the optional side quests that go along with the main story, to get all those contracts and beat out the other crafters can be difficult. So challening yourself to beat them is hard, however failing to do so isn't the end of the world. Though those are usually the best paying jobs.
i hope this game make me struggle in game economy
Can only speak for myself here about the contests during annual events- most of them are not guaranteed wins. Right the first one is a fishing contest, you have to take part in with the mentioned above beginners rod, and what bites is highly relying on luck. (My personal best in 1st year were 4 of 6 turns won on both contest days together.) There are also a hunt for ghost badges in summer (which is considered unfairly stacked against the player, especially if you want to get the achievement as well), a riding contest (difficulty depends on which horse/llama you bring and which of the two contests you pick), a cooking and harvest contest (pretty easy to win with proper preparation), a fighting contest where you can also bet on the outcome (outcome highly depends on who is your opponent in the final and your own level, but is winable even with the hardest opponent in town in first year - picking the winners of each turn in betting is the actual challenge) and then last but not least there is a snowballfight in winter, which is winablle but takes some practice.
Well in year two the contests might get too easy, but a lot of people don't play that long after the main story is completed anyway.