More scenarios, however unusual/unlikely:
* You had Durations in play that couldn’t be trashed to Donate.
* Sacred Grove (The Mountain’s Gift)
* Greed (from a Doom Attack)
* You already bought Exploration
* You had a sizable cache of Coffers
* Bargain + a Way (best candidates: Butterfly, Monkey, Mule, Seal, Sheep; Mouse with an appropriate target; Chameleon would require the opponents to buy Bargain as much as 4 times)
* Ally: Crafters’ Guild, League of Bankers
* You already Prince’d a payload card.
* You can potentially win all the Baths points.
* Certain other Landmarks also make it possible that an unwise opponent ends the game with a lower score than you.
* Variant of the original problem in which you trashed all payload (and even all Actions), but held onto a gainer such as Devil’s Workshop
I came up with a couple other weird ones, but they boiled down to one of the above or already posted situations.