- May 10, 2020
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I know, but I didn't pay my debt and still been able to do that(just did Livya quest). Not to mention by the time I did get to Emily quest I was able to outright pay her debt if I wanted, but opt to again save my money and extend the time.For now reputation unlocks some special options, mostly with Giron letting you do stuff, like giving more time to Emily for paying her debt
I agree reputation could very important, but right now? it's not needed to the point where you need to expend all resources to get it. If I've been blocked due to having low rep during my playthrough I would 100% say that paying your debt is far better choice, but I haven't. And even then the key word is "choice", when someone asks if they can skip it(because now we get into "optimal gameplay choice").
If you do Emily quest before getting rep some other way? That's on the player, not the game. So in that case get the money pay the debt and do Emily quest earlier.