Even if you have three characters your guaranteed strange coin payout is only 27 per week. I only have one character so I have to bank a couple weeks or get lucky to buy from Xur. I have to raid, collect engrams and kill bosses for strange coins so how are you any different? I complete strikes for engrams just like you do. It's no my fault or anyone else's you are too stubborn to buy an item because you'd rather wait for RNG to give you a golden shower. Chill out with the earners nonsense. It's all bloody random.