I enjoyed this one, though I have to agree that it didn't do much with the premise. Like, I was rolling along, getting into the character, we did the reveal, and I was all set to hear the twist and have some sort of hint at a plot structure and... the story ended. And I went, "Huh. Well, okay." It was fun, and it had an interesting character (I, too, was taken aback and then pleased by the description of the man dying alone surrounded by his coins and the inversion to "dying surrounded by what he loved"), but it left me a bit unsatisfied. I think the comparison to "Impossible Dreams" is apt, since they both rely on a very subtle piece of the fantastic and well-drawn characters (and also obsessive nutbags as central to the plot), but "Impossible Dreams" had an arc in the main character's crisis of choice and some ups and downs in the romantic subplot, which gave it a much richer flavor in the end. This one gets a smile, a nod, and then left behind, whereas I've gone back to listen to "Impossible Dreams" a couple of times now.
I don't think it's wrong, necessarily, to forego plot and conflict, but it's not a narrative choice that feels strong to me.