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If I knew how to do that, I would do it with $10,000 or $100,000 and not $20.
How the fuck are you not gonna interact with people but have cash change hands?
You can't talk to people. You can't meet people, but you must somehow get money from other people. The fuck.
You also can't use banks or credit cards? How the fuck are you gonna meet someone online and get them to mail you $20?
I want to add that I know this sounds mean like I'm angry, but it's kind of more like I'm frustrated with the impossible constraints of the mental exercise.
If I have offended you, I do apologize. It's not my intent.
I enjoy solving puzzles, but assuming that none of your constraints can bend, then the only thing I can think of would be for you to send out a mailing list begging for money and hope that enough people respond, like a letter saying, "hey, send me a dollar and you'll get good luck", or something.
For $20, you should be able to send about 40 letters, and if all 40 of them send you $1, then that would meet your requirements.
get creative. Find local boards, email and make connections, do not contact trades with the cash and a product and trade it up enough. Email companies. think outside the box