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I'm not sure if anyone suggested it already, but why not make debt happen with difficulty changes?
Someone who plays on Heroic gets no debt, above that increase it. So yeah, the game gets harder and you get debt... But you get better enhancements and experience from it.
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Wouldnt work, the game is already to easy at top rep and debt is gone in the next mob, put debt back to how it use to be, everyone gets debt at lvl 5 and the cap is huge.
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If top rep is easy, then that's just bad design. And they should make it harder.