No, she gets into these situations because she's being blackmailed and because she, as a game character, has no choice but to accept humiliation. All we know from open sources is the so-called game concept, or, more simply, how the game will be set up (which DM published in 2019 on a Russian-language pirate site).
In the game she is blackmailed because she is stupid enough to be blackmailed. No more, no less. What the game could have been or should have been is not relevant. We have what we have.
Therefore, I prefer not to hide the unsightly picture behind beautiful words. The essence of the game is a series of endless humiliations of a rich (in the past) and sexually attractive woman (arrogant bitch). The main tool of influence on the MC is blackmail, which can be classified as coercion to sex and other violent actions of a sexual nature. The current goal of the game is to further humiliate and have sex with the MC.
So what? What's wrong with that? That is the main idea and the main attraction of this game for the supporters.
Yeah, she is a playable character, and in AVN (unless the game is positioned by the developer as a kinetic novel), the MC controlled by the player always has a priori a choice. So Monica's lack of choice by virtue of the developer deciding so is a weak excuse. It just shows that the game was not thought through to the end and its goal was only to create a conveyor belt of endless blackmail and humiliation for the sake of humiliation, not that the player could consciously influence his character and, say, make him better (or worse) in terms of personality. And no, don't tell me about bitchiness levels. Those are just crutches that can't replace the player's direct influence on the actions of their game character.
Who says that the game should have all that? In my opinion it shouldn't and I don't want it to be in the game. The more of that, the less game have other stuff, like all those funny humiliating events. It is inevitable. Are you sure that that what patrons want? I certainly don't.
More than that, in every VN the player can influence the actions of the main character to a certain degree. The player cannot do whatever he wants. In some games the variety of choices is bigger, in some less. That is all. For example, in most games where you play for a good guy, you cannot join your enemies and become the bad guy and continue the game like that. There is that game here called University of Problems where it would be ten times more fun, in my opinion, to join the bad guys and continue like that. But it cannot be done.
If the developer doesn't want Monica to have choices where she deals with her enemies or becomes a better person, it is his choices and that is all right.
At first only Victoria had something on her. Who else has something on her now? At least 2 of the slum customers, Steve's secretary, 2 photographers, her biggest business rival, Philipp (if you go to his basement) and maybe others that I forgot of the top of my head.
Well, Victoria can be dealt easily, like sent to the farm. Steve's secretary is blackmailed herself and cannot do much. The photographers and White think that it is not Monica, as far as remember. Silly, but that is the way it is. Philip himself is not interested in publishing that stuff in the basement. No sure about slum customers. Don't remember anything about it. Maybe it is the latest update I haven't played yet.
You all do not get the point. Even if Monica is "dumb", nobody is dumb enough that he would let someone RECORD them having to do shit with which they could be blackmailed even further than they are already being blackmailed. And she does it ALL THE TIME.
I believe that is where you are wrong. No expert on blackmailing people, but I think that is the way it is done. The more you do the stuff you are asked, the more new blackmail material the blackmailer has.
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