Finding metal in the crankcase isn't a good sign. Removal and tear down will diagnose the problems, I'm betting you have more than one issue. Unless engine rebuilding is a hobby or sounds interesting, I'd be shopping for a used replacement. Replacement is easy, save your clutch pulleys along with any other accessory items.
Contact local cart suppliers that service the golf courses, they will have a cart or two that have been murderized at an event with a good engine remaining. If you're a modder/rodder, it's a good time to think about other engine choices or upgrades. I used to service and repair EZ Go's and other brands (in a former life), lol.