The difficulty is quite hight, but if you keep trying you will be beating the dungeons.
Viewing post in Ero Dungeons [Complete] comments
unlimited money would make the game obscenely easy which is precisely why that isn't a thing. if you play a bit and make a new save any achievements you got unlock fate points that you can spend to add flavour to the game. one such option under the easy options is to give yourself a solid chunk of cash right off the bat to make things easier. however this game isn't designed to be super easy right from the start. it's designed to be a slow burn but once you really get going things get easier. focus primarily on clearing your characters goals over just clearing dungeons. it's the only way to level the characters. once you have a solid team of high level characters the game starts progressing. getting there can be challenging though.