Sorry for the late response, it's good to hear that you'll tell all the stories you want in your best case scenario and so I hope it is that,. It's very interesting to see you already have 23 characters and still more to come, I just hope you don't burn yourself out from so many characters as I know writing so much dialog is both time consuming and takes awhile to even come up with it.

As for the gameplay narrative with debt I'm not entirely sure exactly, perhaps could be tied to a character? Maybe the novelist? With her distain for men it wouldn't be a suprise to see her charge to the male for her services. Perhaps as your situation gets more dire with the curse you eventually have to even pay to eat and thus survive? If you don't have enough money you're forced to pay a IOU before the ingame week or else it'll result in pubic reputation being ruined or them not even taking to you unless it's paid? Perhaps could be a feature added in the hardest difficulty?

I'm glad I gave you a idea for the land lady, I enjoy helping out any way I can in game development despite not being able to code or do art I can atleast toss a couple ideas here and there or even just help test builds or when I have the money toss a small bone, I won't spend money I don't have because I know it'll ruin me eventually. Anyways have a wonderful night or day depending on your timezone and stay safe and I wish for you and your other projects to succed.

EDIT: when I wrote this "Perhaps as your situation gets more dire with the curse you eventually have to even pay to eat and thus survive? If you don't have enough money you're forced to pay a IOU before the ingame week or else it'll result in pubic reputation being ruined or them not even taking to you unless it's paid?" I meant general futas and not just the novelist. And to have this mechcanic make sense perhaps you use a character so much they start to not enjoy you anymore to the point they'd rather just find another hole, but will do it if you pay them/ will promise to pay them.