Reimu is reaching Mister Expiration Date soon. Reimu is going to take it easy for ever soon. Won't ever forget Mister's warm hand. Mister should always take it easy okay?
Intelligence and wisdom are not one and the same. She may not be able to count higher than three, but she understands that having little ones against her master's wishes is a one way trip to the burnable bin.
Maybe the owner never tried to push her into getting a gold badge.
Maybe she couldn't catch on to the cards.
Regardless of badge level, if she loved her owner, and her owner loved her, I'm sure this would have been the same ending, regardless of badge. Badge only signifies official capacity, not personal capacity.