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It certainly hurt pacing of the game for me. There are rewards for paying back more than the asked amount, which is nice, but I don’t think it should have been as big of a nuisance as it is. Sometimes I liked to turn on the game and just mess around with side quests, but when I felt like plowing through some of the story I was constantly delayed by having to pay back this debt. It’s a system put in place to pad out the game and make it feel longer than it is. These range from killing specific monsters to finding certain items and turning them in. You can make money by taking on jobs posted in each town. The price you have to pay will keep going higher and higher the further you get in the game, blocking you off from continuing the story. After every story-based chapter, you’ll then need to pay off a specific amount of debt before you can access the next mission. In the game, Ludger ends up in debt through some pretty shady means and he’s left to pay off this debt throughout most of the game. The worst thing you could do is put a roadblock in front of that and that’s my biggest problem with Tales of Xillia 2. Exploring new areas (even if you’ve seen them in the first game) and uncovering new details about the plot are my favorite things about big RPGs like this. The story will take you from the highest, snowiest peaks, to the deepest, darkest caves, and beyond. The battles in Tales of Xillia 2 will take you all over the lands of Rieze Maxia and Elympios.