if ($1 == !heads) {
    var %coinflip $rand(1,2)
    describe $chan flips a coin
    if (%coinflip == 1) {
      writeini money.ini CMoney $nick $calc($readini(money.ini, CMoney, $nick + 1))
      describe $chan sees the coin land on Heads
      msg $chan You now have $readini(money.ini, CMoney, $nick) coins.
    }
    if (%coinflip == 2) { 
      describe $chan sees the coin fall on tails.
      msg $chan sorry $nick $+ , you lose.
    }
  }
  if ($1 == !tails) {
    var %coinflip $rand(1,2)
    describe $chan flips a coin
    if (%coinflip == 2) {
      writeini money.ini CMoney $nick $calc($readini(money.ini, CMoney, $nick + 1))
      describe $chan sees the coin land on Tails
      msg $chan You now have $readini(money.ini, CMoney, $nick) coins.
    }
    if (%coinflip == 1) { 
      describe $chan sees the coin fall on Heads
      msg $chan sorry $nick $+ , you lose.
    }
  }
}
}

That section could be re-written to:

if (($1 == !heads) || ($1 == !tales)) {
var %x $iif($1 == !heads,1,2)
var %t $rand(1,2)
describe $chan flips a coin.
if (%t == %x) {

} else { } }

You see it cut out lots of space (replace and with your commands for each occasion).