Don’t break Google’s trust – if your friend betrays you, depending on what they’ve done, they’ve lost trust. Sometimes that trust has been lost altogether. If you do something Google doesn’t like such as manipulate it in a way it doesn’t want, you will lose trust, and in some cases, lose all trust (in some areas). For instance, your pages might be able to rank, but your links might not be trusted enough to vouch for another site. DON’T FALL OUT WITH GOOGLE OVER SOMETHING STUPID
Keywords are important because they are the linchpin between what people are searching for and the content you are providing to fill that need. Your goal in ranking on search engines is to drive organic traffic to your site from the search engine result pages (SERPs), and the keywords you choose to target (meaning, among other things, the ones you choose to include in your content) will determine what kind of traffic you get. If you own a golf shop, for example, you might want to rank for "new clubs" — but if you're not careful, you might end up attracting traffic that's interested in finding a new place to dance after dark.
Links to your site are extremely valuable – When another website links to yours, search engines consider that an indicator that your site contains valuable content. Not so long ago, getting dozens of links from low-quality sites was all it took to boost your ranking. Today, the value of a link to your site depends on the quality of the site that linked to you. Just a few links to your business from high-traffic sites will do wonders for your ranking!
QUOTE: “Shopping or financial transaction pages: webpages which allow users to make purchases, transfer money, pay bills, etc. online (such as online stores and online banking pages)…..We have very high Page Quality rating standards for YMYL pages because low-quality YMYL pages could potentially negatively impact users’ happiness, health, or wealth.“

If you are just starting out, don’t think you can fool Google about everything all the time. Google has VERY probably seen your tactics before. So, it’s best to keep your plan simple. GET RELEVANT. GET REPUTABLE. Aim for a healthy, satisfying visitor experience. If you are just starting out – you may as well learn how to do it within Google’s Webmaster Guidelines first. Make a decision, early, if you are going to follow Google’s guidelines, or not, and stick to it. Don’t be caught in the middle with an important project. Do not always follow the herd.
So: how to proceed? On the one hand, SEO best practices recommend that you include relevant keywords in a number of high-attention areas on your site, everywhere from the titles and body text of your pages to your URLs to your meta tags to your image file names. On the other hand, successfully optimized websites tend to have thousands or even millions of keywords. You can't very well craft a single, unique page for every one of your keywords; at the same time, you can't try to cram everything onto a handful of pages with keyword stuffing and expect to rank for every individual keyword. It just doesn't work that way.