20k gold? Not even enough to fully equip all 3 runners. It needs 40k+ gold for that. If you do not know, locked chest contents scale according to your level. The later you open it, the better it can be. I collected 90% of locked chest only before battle tower fight, and each piece of gear, it can be easily sell ranging from 500+ gold to 1k+ gold. I make over 100k gold before obtaining my battle tower like this grin. You need gold to purchase legendary gear during the second half of the game, if you want to make easy advancement. Good ones can sometimes reach 10k+ per piece of gear.