can you add an option to the Curse of Debt's purple room which lets you adjust the Debt Robot's preferred method of forced collection, in other words let us choose whether it will try to steal muscle, give fat, or both
After you've paid off your debt, you get the option to change the prices for transferring stats. I think that might do what you want at least to a certain extent
For his attack in battle, the stats he takes are determined by the prices for transferring stats. He'll move whatever would be worth the most money to him without making you go below a certain threshold for each stat