All this talk of if debt helps or not while EX'ed is making my head hurt.
I don't think the option of RSK is intended or needs to have a equal reward for equal risk. It is simply a voluntary means of allowing you to lower your level to play with friends, doing their missions (not yours with them SK'ed) or allow access to past TF's (coming soon) and badges. So even if you got absolutley nothing from RSK, no debt decrease, no influence, people would still do it. Just like being able to switch between costumes really has no tangible reward or risk other than thinking you're so cool because you now have your secret identity "look" but it has no impact on the game whatsoever.
If you are simply looking for personal gain (yours or your friends) then RSK just may not be an option.
