People play this game differently. I personally would never accept donations, mainly because I feel that getting the money required for 200m in all skills is part of the game and the challenge. However, it is wrong to assume that this is the only way to play and that recieving donations is 'bad play'.
If Paperbag is serious about getting 200m xp in all skills, he needs to understand that he will have to spend a huge amount of time training skills he may not enjoy such as dungeoneering. That is why 200m in all skills is such an ambitous goal so some unpleasant times are to be expected.