I’m pretty sure context and inflection would probably make a huge difference here. You may say 触ってもいいですか, but if you are entering someone’s home or going out to eat and approaching a table, I think they’re going to understand your intention or at the very most that you made a silly pronunciation mistake.
I was once wondering around a neighborhood in Tokyo and passed by a group of friends who were saying goodbye to each other. I heard one of them say “お疲れヤマ”. I stopped, wondering if it was some strange kind of slang or regional variation, but she then started laughing and said “お疲れマウンテン”.
Jisho shows 花金 for the main dictionary entry and 華金 as an alternative, so I believe 花金 is more common, but as the other comment says both kanjis have very similar meaning so they both should be ok.
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