For Erratic and Plasma you should be able to clear stake 1 without spending money pretty consistently. Like Erratic can pretty often "easily" get you multiple 4 or 5 of a kinds or Full Houses if you play toward it, and Plasma just wants lots of chips ASAP.
But realistically you should try to get a decent joker and just take the minor econ hit. Econ only matters if you live long enough to actually put it to use.
Also rentals are a lot more takeable than you probably think. You can buy one, use it to get close without winning the round, then sell it and go net-0. And in some cases rental jokers can be strong enough to be worth the tax every round, depending on how the run is going. The real worry for rentals is having multiple at once, -3 is painful but can be managed, -6 a round is run killing if your set up doesn't have a ton of econ generation and/or isn't already strong enough to clear the rest of the run.
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Man I'm doing runs to prove the point and I just got Smiley Face shop 1 with a ton of face cards in the erratic deck, T_T.
Erratic.
Run 1, ended with 20d going into ante 2. 1 hand first blind, 2 hands second blind, 3 hands boss blind. If I'd taken the smiley in the first shop I'd have easily been able to do each in 1 hand, "regaining" 3g and setting me up to do at least one or two more blinds in 1 hand, definitely 2.
Short term more money, but practically less money over the course of the game, especially because I would've had to buy a joker from the shop on 2-1 to be able to progress anyway.
Run 2. 2 hands first, 2 second, 2 boss. 22d total. Died on 2-1. I would've bought the Earth planet in the shop before in a real run.
Run 3. 1 hand first (royal straight). Died on second, lmao. Had a bunch of kings and aces and 8s and somehow only 2 of each was in the top half of the deck so I just faceplanted not getting a third for any. In restrospect straights or flushes would've been the move with what I had, but there's no way to know that ahead of time.
Run 4, 1 hand (full house), 2 hands, 2 hands, 23d total. Died on 2-1.
Run 5, 1 hand (full house), 2 hands, 2 hands, 23 total. Got a eternal holographic rocket in my after-boss shop, I'm taking this run all the way lmao. Dang, died on 6-2 greeding for more gold stickers.
Look, I can name a few instances in MY life where I tried to reach mutual understanding
and i can TELL you, always faster and easier to just kill em. Just is!