Is the Gym penalty at 3000 or 3001?

You should max out the one with 98% IV.

I've got no problem collecting. The first day the gyms opened I got screwed 49/50. It irks me seeing I'm a coin shy for a raid pass every other day.

I've collected a full 50 each day since. Started working a my a downtown Bakery. I usually have a couple defenders from the day before. I make it a point to drop in one or two more before starting at 3AM and I always have 50 by the time I'm clocking out.

More like you have been living under a Golem. That's only for places with low player density. In places like Singapore, even a Blissey won't last 10 minutes if no one feeds her berries.